3. ELIGIBILITY, EFFECTIVE DATES AND TERMINATION OF EMPLOYEE INSURANCE When are you eligible for Employee Critical Illness Insurance? You are initially eligible for Employee Critical Illness Insurance on the latest of: · January 1, 2019; · your first day of employment; or · the date you first are Actively at Work in an Eligible Class. You are also eligible for Employee Critical Illness Insurance during any Enrollment Period or as a result of a Family Status Change, provided you are Actively at Work and in an Eligible Class. When must you enroll for Employee Critical Illness Insurance? You must enroll within 90 days of the date you are initially eligible for Employee Critical Illness Insurance otherwise you will be considered a Late Entrant. If you refuse your 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 your Employee Critical Illness Insurance start? For Contributory Employee Critical Illness Insurance, your insurance starts on the later of the date: · you are eligible; or · you enroll and agree to make any required contribution toward the cost of insurance; and you are Actively at Work on that date. If you are not Actively at Work on that date, your insurance will not start until you resume being Actively at Work. When can you make changes in Employee Critical Illness Insurance? You may request a change in your Employee Critical Illness 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 Employee 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 Employee 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 Employee Insurance Amount within the limits shown in the Benefit Highlights. When does a change in Employee Critical Illness Insurance start? If you are Actively at Work, any increase in Employee 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. If you are not Actively at Work on that date, any increase in Employee Critical Illness Insurance 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, 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. 16-SD-C-01 Page12