12. PORTABILITY When must your Spouse apply for portable insurance? Your Spouse must complete an application for portable insurance and send it to us with payment of the first premium within 31 days of the date of your death or divorce. The application for portable insurance and applicable rates are available from your Employer. What is the amount of your Spouse’s portable insurance? Your Spouse may apply for portable insurance in an amount up to 100% of the remaining amount of Spouse Insurance and Dependent Children Insurance in force under the Policy on the date of your death or divorce. Your Spouse’s portable insurance policy will not provide any benefits beyond those described in the section of this Certificate titled Benefit Provisions. Your Spouse may not apply for portable insurance for a Dependent Child whose insurance has not terminated under the Policy due to divorce. When does your Spouse’s portable insurance start? After your death or divorce, your Spouse’s portable insurance will start on the later of the following: · the date we approve your Spouse’s application for portable insurance; or · the date we receive your Spouse’s first premium payment for portable insurance. 16-SD-C-01 Page36