5. ELIGIBILITY, EFFECTIVE DATES AND TERMINATION OF DEPENDENT CHILDREN INSURANCE If your Dependent Child is Confined on that date, your increase in Dependent Children Critical Illness Insurance or benefits will not start until your Dependent Child is no longer Confined. If you are not Actively at Work on that date, any increase in Dependent Children 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 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. If you are Actively at Work, any increase in Dependent Children 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 Dependent Children 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; or · the date we approve any required Evidence of Insurability for your Dependent Child. Your Dependent Child 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 Dependent Children Critical Illness Insurance or benefits will not start until you resume being Actively at Work. If your Dependent Child is Confined on that date, your increase in Dependent Children Critical Illness Insurance or benefits will not start until your Dependent Child is no longer Confined. Whether or not you are Actively at Work, any reduction in Dependent Children Critical Illness Insurance or benefits due to a Family Status Change will start on the date of your Family Status Change. Any reduction in Dependent Children 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 Dependent Child is Confined on the date of the decrease. How can you add a child or children to your Dependent Children Critical Illness Insurance? After you and a Dependent Child are covered under the Policy, and you are Actively at Work, any child who becomes one of your Dependent Children will automatically be covered. How does Dependent Children Critical Illness Insurance apply to newborn children, newly placed foster children or newly adopted children? If you are insured under the Policy but do not have Dependent Children Critical Illness Insurance when a newborn child, newly placed foster child or newly adopted child becomes one of your Dependent Children, then such child will automatically be covered for 31 days from the date he or she becomes your Dependent Child. To continue coverage beyond 31 days, you must: · enroll for Dependent Children Critical Illness Insurance within 31 days from the date the newborn child, newly placed foster child or newly adopted child becomes your Dependent Child; and · pay the required premium to continue your Dependent Children Critical Illness Insurance. If you are covered under the Policy and have Dependent Children Critical Illness Insurance when a newborn child, newly placed foster child or newly adopted child becomes one of your Dependent Children, then such child will automatically be covered. When does Dependent Children Critical Illness Insurance end? Dependent Children Critical Illness Insurance under the Policy will end on the earliest of the following to occur: 16-SD-C-01 Page17