5. ELIGIBILITY, EFFECTIVE DATES AND TERMINATION OF DEPENDENT CHILDREN INSURANCE When are you eligible for Dependent Children Critical Illness Insurance? If you are in an Eligible Class, then you are initially eligible for Dependent Children Critical Illness Insurance on the latest of: · January 1, 2019 or; · the date you are eligible for Employee Critical Illness Insurance; or · the date you acquire your Dependent Children. You are also eligible for Dependent Children Critical Illness Insurance during any Enrollment Period or as a result of a Family Status Change, provided you are in an Eligible Class and have one or more Dependent Children. When must you enroll for Dependent Children Critical Illness Insurance? You must enroll within 90 days of the date you are initially eligible for Dependent Children Critical Illness Insurance otherwise you will be considered a Late Entrant. If you refuse your Dependent Child insurance or do not enroll when you are eligible, then you will not be allowed to enroll until the next Enrollment Period or until a Family Status Change. When does Dependent Children Critical Illness Insurance start? For Contributory Dependent Children Critical Illness Insurance, your insurance starts on the latest of the date: · you are eligible for Dependent Children Critical Illness Insurance; · you are first insured under the Policy, for Employee Critical Illness Insurance; or · you enroll for Dependent Children Critical Illness Insurance and you agree to make any required contribution toward the cost of insurance, and if you are Actively at Work on that date and your Dependent Child is not Confined on that date. If you are not Actively at Work on that date, your Dependent Children Critical Illness Insurance will not start until you resume being Actively at Work. If your Dependent Child is Confined on the date your Dependent Children Critical Illness Insurance would normally start, your Dependent Children Critical Illness Insurance for that Child will not start until your Child is no longer Confined. Confinement does not apply to a newborn child or a newly adopted child. When can you make changes in Dependent Children Critical Illness Insurance? You may request a change in your Dependent Children Insurance Amount or benefit elections during any Enrollment Period after you are covered under the Policy and Actively at Work. You may also request a change in Dependent Children Critical Illness Insurance at any time due to a Family Status Change. Such request must be made within 31 days of the date the Family Status Change occurred. Any amount or increase in Dependent Children Critical Illness Insurance is subject to the Pre-existing Conditions limitation. A pre-existing condition will be considered to have occurred in relation to the effective date of the change, not the original effective date of your coverage. You may only increase or decrease your Dependent Children Insurance Amount within the limits shown in the Benefit Highlights. When does a change in Dependent Children Critical Illness Insurance start? If you are Actively at Work, any increase in Dependent Children Critical Illness Insurance or benefits, for reasons other than a Family Status Change, will start on the January 1st following the date of change, when you apply for a different coverage option and you agree to make any required contribution toward the cost of insurance. Your Dependent Child must not be Confined on the date of the increase in benefits. 16-SD-C-01 Page16