2020 LFG LTD Certificate

SECTION 3 - ELIGIBILITY AND EFFECTIVE DATES (Continued)

What is Your Effective Date of Insurance? Your insurance will be effective at 12:01 A.M. Standard Time in the governing jurisdiction on the day determined as follows, but only if your application or enrollment for insurance is made with Lincoln through the Sponsor in a form or format satisfactory to Lincoln.

You will be insured on your Eligibility Date.

When will Your Effective Date of Insurance be Delayed? Your effective date of any initial, increased or additional insurance will be delayed if you are not in Active Employment because of Injury or Sickness. The initial, increased or additional insurance will begin on the date you return to Active Employment.

ADOC-ELG-2

Eligibility and Effective Dates

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