GENERAL PROVISIONS HC13GPIN 11 B-21113 (11/25) If your coverage is not continued during an FMLA or State FML leave of absence, and you return to active employment immediately following the end of your FMLA or State FML leave of absence, your coverage will be reinstated. We will not apply a new waiting period, or require evidence of insurability, or apply a new pre-existing condition limitation. If your coverage is not continued during a leave of absence for active military service, and you return to active employment, your coverage may be reinstated in accordance with USERRA and applicable state law. In no event will your coverage under the policy be continued beyond the date your coverage would otherwise end according to the terms of the WHEN YOUR COVERAGE ENDS provision. TEMPORARY LAYOFF OR LABOR STRIKE If you are not in active employment due to a temporary layoff, and if premium is paid, you will be covered through the end of the 2 months that immediately follows the month in which your temporary layoff begins. If you are not in active employment due to a labor strike, and if premium is paid, you will be covered through the end of the 2 months that immediately follows the month in which the labor strike begins. WHEN YOUR COVERAGE ENDS Your coverage under the policy ends on the earliest of the following dates: • The date the policy is canceled. • The date you are no longer in an eligible class. • The date your eligible class is no longer covered. • The end of the Policyholder's grace period, if the Policyholder does not remit premium to us by the end of such period. • The last day you are in active employment except as provided under a covered leave of absence or temporary layoff or labor strike. We will provide coverage for a payable claim that occurs while you are covered under the policy. Termination of the policy during a disability will have no effect on a payable claim. TIME LIMITS FOR LEGAL PROCEEDINGS You can start legal action regarding your claim 60 days after proof of claim has been given to us, and up to three years from the time proof of claim is required, unless otherwise provided under federal law. REPRESENTATIONS NOT WARRANTIES We consider any statements the Policyholder and you make in an application representations and not warranties. No statements made by you will be used to reduce or deny any claim or to cancel your coverage unless both of the following are true: • The statement is in writing and is signed by you. • A copy of that statement is given to you or your beneficiary, or your personal representative. INCONTESTABILITY Except in the case of fraud, no statement made by you in the application relating to your insurability will be used to contest the insurance for which the statement was made after the coverage has been in force for two years during your lifetime. Beyond the periods stated in the PRE-EXISTING CONDITION LIMITATION provision, no claim for disability with respect to which the claim is made shall be reduced or denied on the ground that a disease or physical condition, not excluded from coverage by name or specific description effective on the date of disability, had existed prior to the effective date of the coverage.