3. ELIGIBILITY, EFFECTIVE DATES AND TERMINATION OF EMPLOYEE INSURANCE Whether or not you are Actively at Work, any reduction in Employee Accident Insurance or benefits due to a Family Status Change will start on the date of your Family Status Change. Any change in Employee Accident Insurance will only affect benefits for a Covered Accident that occurs after the effective date of the change. When does your Employee Accident Insurance end? Your Employee Accident Insurance under the Policy will end on the earliest of the following to occur: · the date the Policy terminates; · the last day of the period for which any required premium has been paid for your Employee Accident Insurance or any part of your insurance; · the date you notify us in Writing to cancel your Employee Accident Insurance; or · the date you die. Your Employee Accident Insurance will also end when any of the following occur, but coverage may be extended, subject to any allowed continuation as specified in the Insurance Continuation section: · the date you are no longer in an Eligible Class; · the date you enter active duty in any armed service; · the date you retire; · the date your class is no longer included for insurance; or · the last day you are Actively at Work, subject to any applicable Portability provision provided. If your coverage has ended, can it be reinstated? If your insurance ends for any reason other than you have voluntarily terminated your insurance, then your insurance may be reinstated within 12 months from when your insurance ended. To reinstate your insurance, you must submit a Written request within 31 days after you return to being Actively at Work in an Eligible Class. Reinstatement will be effective on the later date when both of the following have occurred: · you agree to make any required contribution toward the cost of your insurance; and · you return to being Actively at Work. Any Accident occurring between your termination date and your reinstatement effective date will not be considered a Covered Accident. A new Eligibility Waiting Period will not apply. Your reinstated insurance will be subject to all the terms and provisions of the Policy. Coverage will not be reinstated for any amount of insurance which you continued under the Portability provision, unless you cancel such coverage. 16-AC-C-01 Page17