GENERAL PROVISIONS HC13GPIN 10 B-21114 (11/25) CERTIFICATE OF COVERAGE This Certificate of Coverage is a written statement prepared by us and may include riders, endorsements and/or amendments. It tells you: • The coverage to which you may be entitled. • To whom we will make a payment. • The limitations, exclusions and requirements that apply within the policy. ELIGIBILITY DATE If you are working for your Employer in an eligible class, the date you are eligible for coverage is the later of the following: • The policy effective date. • The day after you complete your waiting period. WHEN COVERAGE BEGINS When the Policyholder pays 100% of the cost of your coverage under the policy, you will be covered at 12:01 a.m. standard time at the Policyholder's address on the date you are eligible for coverage. In order for your coverage to begin, you must be in active employment. Your coverage is subject to payment of premium. CHANGES TO YOUR COVERAGE Once your coverage begins, any increased or additional coverage will take effect immediately if you are in active employment or if you are on a covered temporary layoff or leave of absence. If you are not in active employment due to injury or sickness, any increased or additional coverage will begin on the date you return to active employment. Any decrease in coverage will take effect immediately but will not affect a payable claim that occurs prior to the decrease. LEAVE OF ABSENCE AFTER YOUR COVERAGE BEGINS If you are on a leave of absence, and if premium is paid, your coverage may be continued beyond the date you are no longer in active employment, limited to the time periods described below. If you are on a leave of absence as described under the Family and Medical Leave Act of 1993 ("FMLA") or applicable state family and medical leave law ("State FML"), and your Employer's Human Resource Policy provides for continuation of disability coverage during an FMLA or State FML leave of absence, your coverage will be continued until the end of the later of: • The leave period permitted by the federal Family and Medical Leave Act of 1993 and any amendments. • The leave period permitted by applicable state law. If you are on a leave of absence other than an FMLA or State FML leave of absence, and if premium is paid, your coverage will be continued through the end of the 2 months that immediately follows the month in which your leave of absence begins. If you are on a leave of absence for active military service as described under the Uniformed Services Employment and Reemployment Rights Act of 1994 (USERRA) and applicable state law, your coverage may be continued until the end of the later of: • The length of time the coverage may be continued under the Certificate of Coverage for an FMLA or State FML leave of absence. • The length of time the coverage may be continued under the Certificate of Coverage for a leave of absence other than an FMLA or State FML leave of absence. If your Employer has approved more than one type of leave of absence for you during any one period that you are not in active employment, we will consider such leaves to be concurrent for the purpose of determining how long your coverage may continue under the policy.