SECTION3A-ELIGIBILITY Continued For purposes of the policy, Employee also means an individual who is a Retiree who: 1) meetstheretirement criteria defined by the Group Policyholder’s employment policies; and 2) is permitted by applicable state law to be considered eligible for group insurance coverage; and 3) is named on the Schedule of Benefits of the policy. AnEmployeedefinedinthisSectionbecomeseligiblefor Personal Insurance on the later of: 1) the effective date of the policy; or 2) the effective date of the Employee’s class. THEFOLLOWINGREQUIREMENTSARENOTAPPLICABLETOEMPLOYEESDEFINEDINSECTION3A: Active Work and Actively at Work. GC2510.4/1 SECTION3A-ELIGIBILITY