4. ELIGIBILITY, EFFECTIVE DATES AND TERMINATION OF SPOUSE INSURANCE When are you eligible for Spouse Accident Insurance? If you are in an Eligible Class, you are initially eligible for Spouse Accident Insurance on the latest of: · January 1, 2019; · the date you are eligible for Employee Accident Insurance; or · the date you acquire a Spouse. You are also eligible for Spouse Accident Insurance during any Enrollment Period or as a result of a Family Status Change, provided you are in an Eligible Class and have a Spouse. When must you enroll for Spouse Accident Insurance? You must enroll within 90 days of the date you are initially eligible for Spouse Accident Insurance or within 31 days of the date of a Family Status Change or during any Enrollment Period. If you refuse your insurance and do not enroll when you are eligible, then you will not be allowed to enroll until the next Enrollment Period. When does Spouse Accident Insurance start? For Contributory Spouse Accident Insurance, your insurance starts on the latest of the date: · you are eligible for Spouse Accident Insurance; · you are insured under the Policy for Employee Accident Insurance; · you enroll for Spouse Accident Insurance; and · you agree to make any required contribution toward the cost of insurance; if you are Actively at Work on that date. If you are not Actively at Work on that date, your Spouse Accident Insurance will not start until you resume being Actively at Work. When can you make changes in your Spouse Accident Insurance? You may request a change in your Accident Insurance benefit options during any Enrollment Period while the Policy is in force. You may also request a change in Spouse Accident Insurance at any time due to a Family Status Change. Such request must be made within 31 days of the date the Family Status Change occurred. When does a change in your Spouse Accident Insurance start? If you are Actively at Work, any increase in Spouse Accident Insurance or benefits, for reasons other than a Family Status Change, will start: · on the January 1st following the date of change, when you apply for a different coverage option and you agree to make any required contribution toward the cost of insurance; · on the date of the Policy change. If you are not Actively at Work on that date, any increase in Spouse Accident Insurance or benefits will not start until you resume being Actively at Work. Whether or not you are Actively at Work, any reduction in Spouse Accident Insurance or benefits for reasons other than a Family Status Change, will start: · on the January 1st following the date of change, when you apply for a different coverage option; · on the date of the Policy change. If you are Actively at Work, any increase in Spouse Accident Insurance or benefits due to a Family Status Change will start on the latest of: · the date you apply for such change in Spouse Accident Insurance and you agree to make any required contribution toward the cost of the insurance; or · the date of your Family Status Change. 16-AC-C-01 Page18