SECTION 6 - TERMINATION PROVISIONS (Continued)
LONG TERM DISABILITY COVERAGE
Conversion Privilege
When are You Eligible for the Conversion Privilege? When your employment terminates with the Sponsor and you are no longer insured under this plan, you may be eligible to convert and become insured under Lincoln's Group Disability Conversion Policy without submitting Evidence of Insurability.
How will You Become Eligible for Group Disability Conversion Insurance? To be eligible to purchase group disability conversion insurance, you:
1. must have been insured under this plan for 12 consecutive months immediately prior to termination of your employment. The time insured under this plan as well as the one it replaced, if any, will be considered in determining your eligibility to convert to Lincoln's Group Disability Conversion Policy; and 2. you must apply for the group disability conversion insurance and submit the first quarterly premium to Lincoln within 31 days after termination of coverage under this plan due to termination of employment. What Benefits will be Available Under Lincoln's Group Disability Conversion Policy? If you are eligible to convert to Lincoln's Group Disability Conversion Policy, the Disability benefits and amount of Disability coverage you will be eligible to receive will be determined by Lincoln in accordance with its established underwriting guidelines. The Disability benefits and amount of Disability coverage may not be the same as you were eligible to receive under this plan. When are You Ineligible for the Conversion Privilege? An individual may be ineligible for this Conversion Privilege if: 1. your coverage under this plan ceases for any of the following reasons: a. this plan terminates; b. this plan is amended to exclude from coverage the class of Employees to which you belong; c. you no longer belong to a class of Employees eligible for coverage under this plan; d. you retire (when you receive payment from any employer's Retirement Policy as recognition of past services or have concluded your working career); e. you fail to pay any required premiums, when due; 2. you are or become eligible for long term disability coverage under another group plan within 31 days after termination of employment; 3. you are Disabled or Partially Disabled under the terms of this plan; 4. you recover from a Disability and do not return to work for the Sponsor; 5. you are not in Active Employment due to an Injury, Sickness or Mental Illness; or 6. you are on a Leave of Absence.
Long Term Disability
ADOC-TER-2
Conversion Privilege - Termination Provisions
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