4. ELIGIBILITY, EFFECTIVE DATES AND TERMINATION OF SPOUSE INSURANCE If your Spouse is Confined on that date, your increase in Spouse Critical Illness Insurance or benefits will not start until your Spouse is no longer Confined. Whether or not you are Actively at Work, any reduction in Spouse 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. If you are Actively at Work, any increase in Spouse Critical Illness Insurance or benefits due to a Family Status Change will start on the latest of: · the date you apply for such change in Spouse 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. Your Spouse must not be Confined on the date of the increase in benefits. If you are not Actively at Work on that date, any increase due to a Family Status Change in Spouse Critical Illness Insurance or benefits will not start until you resume being Actively at Work. If your Spouse is Confined on that date, your increase in Spouse Critical Illness Insurance or benefits will not start until your Spouse is no longer Confined. Whether or not you are Actively at Work, any reduction in Spouse Critical Illness Insurance or benefits due to a Family Status Change will start on the date of your Family Status Change. Any reduction in Spouse Critical Illness Insurance or benefits due to your age will start on the January 1st following the date of change, whether or not you are Actively at Work or your Spouse is Confined on the date of the decrease. When does Spouse Critical Illness Insurance end? SpouseCritical 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 insurance or your SpouseCritical Illness Insurance or any part of your insurance or your Spouse Insurance; · the date you request in Writing to cancel your Spouse Critical Illness Insurance; · the date all benefits paid or payable for you under this Policy reach the maximum amount payable as described herein; · the date all benefits paid or payable for your Spouse under the Policy reach the maximum amount payable for your Spouse as described herein; · the date you die; or · the date your Spouse dies. Your Spouse 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 are no longer insured under the Policy; · the date your Spouse no longer meets the definition of Spouse as described in this Certificate; · the date your Spouse enters 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. 16-SD-C-01 Page15