For residents of North Carolina: The definition of pre-existing condition found in the provisions WHAT DISABILITIES ARE NOT COVERED UNDER YOUR PLAN? and WHAT DISABILITIES ARE NOT COVERED FOR A COST OF LIVING INCREASE? in the BENEFIT INFORMATION section of the policy, is amended by removing any reference to "symptoms arising from the sickness or injury, whether diagnosed or not." For residents of South Carolina: The Pre-existing Condition exclusion in the OTHER FEATURES provision of the BENEFITS AT A GLANCE section of the policy is amended so that if the last number is greater than 12 months, it is reduced to 12 months and any Pre-existing Condition exclusion in the BENEFIT INFORMATION section of the policy is amended so that it will be applied only if the disability begins in the first 12 months after the insured's effective date of coverage for the applicable benefit, or such shorter time as provided in the policy. The WHAT IF YOU HAVE A DISABILITY DUE TO A PRE-EXISTING CONDITION WHEN YOUR EMPLOYER CHANGES INSURANCE CARRIERS TO UNUM? provision in the BENEFIT INFORMATION section of the policy, is amended to provide that Unum will credit the pre-existing condition period you satisfied under another similar group disability policy if you were covered under the prior policy within 30 days of being effective under this policy and you applied for this coverage when you first became eligible. For residents of South Dakota: The Pre-existing Condition limitation in the OTHER FEATURES provision of the BENEFITS AT A GLANCE section of the policy is amended so that if the last number is greater than 12 months, it is reduced to 12 months and any Pre-existing Condition limitation in the BENEFIT INFORMATION section of the policy is amended so that it will be applied only if the disability begins in the first 12 months after the insured's effective date of coverage for the applicable benefit, or such shorter time as provided in the policy. For residents of Texas: The HOW CAN STATEMENTS IN YOUR APPLICATION FOR THIS COVERAGE BE USED? provision in the GENERAL PROVISIONS section of the policy is amended to provide that, except for fraud, misstatements made in your application cannot be used to reduce or deny coverage if your coverage has been in force for at least 2 years. The Pre-existing Condition exclusion in the BENEFIT INFORMATION section of the policy will be applied by deleting the phrase "or you had symptoms for which an ordinarily prudent person would have consulted a health care provider." For residents of Utah: The Pre-existing Condition exclusion in the OTHER FEATURES provision of the BENEFITS AT A GLANCE section of the policy is amended so that if the last number is greater than 12 months, it is reduced to 12 months and any Pre-existing Condition exclusion in the BENEFIT INFORMATION section of the policy is amended so that it
GDIS-STATEVAR-3 (1/1/2025)
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