3. ELIGIBILITY, EFFECTIVE DATES AND TERMINATION OF EMPLOYEE INSURANCE If you are Actively at Work, any increase in insurance or benefits due to a Family Status Change will start on the latest of: · the date you apply for such change in Employee Critical Illness Insurance, if you apply within 31 days of the Family Status Change and you agree to make any required contribution toward the cost of insurance; or · the date of your Family Status Change. If you are not Actively at Work on that date, any increase due to a Family Status Change in Employee Critical Illness Insurance or benefits will not start until you resume being Actively at Work. Whether or not you are Actively at Work, any reduction in Employee Critical Illness Insurance or benefits due to a Family Status Change will start on the date of your Family Status Change. Any change is subject to all the terms of the Policy. When does Employee Critical Illness Insurance end? Your Employee Critical Illness 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 Critical Illness Insurance or any part of your insurance; · the date you request in Writing to cancel your Employee Critical Illness Insurance; · the date all benefits paid or payable for you under the Policy reach the maximum amount payable as described herein; or · the date you die. Your Employee Critical Illness 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 latest date when all 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 Diagnosis occurring between your termination date and your reinstatement effective date will not be considered a Covered Benefit. 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-SD-C-01 Page13