RL-ACC3-CHR2-23-IN 3 CHR-12967 (11/25) TERMINATION OF COVERAGE Coverage for each of your Children under this rider ends on the earliest of the following:  The date the Child is no longer an eligible Child as defined by this rider. Eligibility of a Child who is incapable of self-sustaining employment due to physical or intellectual disability ends when there is no longer evidence satisfactory to us that the incapacity is continuing.  The date coverage for all your Children ends as described below. Coverage for all your Children under this rider ends on the earliest of the following:  The date your Accident insurance terminates. See the PORTABILITY FOLLOWING DEATH provision below if termination is due to death.  The date coverage under this rider is terminated for all Active Employees under the Policy. See the PORTABILITY provisions below regarding Children’s coverage previously continued by you or your Spouse.  The date coverage under this rider is terminated for the eligible class of Active Employees to which you belong. See the PORTABILITY provisions below regarding Children’s coverage previously continued by you or your Spouse.  The date you voluntarily cancel coverage under this rider.  The date you no longer have any eligible Children as defined by this rider.  The end of the period for which premiums for this rider are paid, if the next premium is not paid by its due date, subject to the GRACE PERIOD provision. We will pay benefits for a loss that occurs while your Child is insured under this rider even if this rider has since terminated. PORTABILITY If you continue your coverage under the Certificate’s PORTABILITY provision, then your Children’s coverage under this rider may also be continued at the same time. Continued premium payment is required to keep your Children’s coverage in force. You may decrease the continued Children’s coverage amount based on the available amounts on the Certificate’s SCHEDULE OF BENEFITS. You may not increase the continued Children’s coverage amount. Continued Children’s coverage under this provision is subject to all the terms of this rider. PORTABILITY FOLLOWING DEATH If you die and your Spouse continues coverage under the PORTABILITY FOLLOWING DEATH OR DIVORCE provision of the Spouse Accident Rider, then Children’s coverage under this rider may be continued at the same time under your Spouse’s coverage. After continuing coverage under this rider, each Child will be covered only if they would have been eligible for coverage under the eligibility rules in force prior to the death of the Employee. If your Spouse continues coverage under this provision, your Spouse will become the owner of the Children’s coverage under this rider. Your Spouse may decrease the continued Children’s coverage amount based on the amounts available on the Certificate’s SCHEDULE OF BENEFITS. Your Spouse may not increase the continued Children’s coverage amount. Coverage continued under this provision is subject to all the terms of this rider. Premiums will be billed directly to your Spouse. Continued premium payment is required to keep coverage in force. The initial premium will be based on the portability premium rates in effect at the time your Spouse elects portability. We may change the portability premium rates at any time upon 31 days Written notice to your Spouse. Coverage continued under this provision will end on the earliest of the following:  The end of the period for which premiums for this rider are paid, if the next premium is not paid by its due date, subject to the GRACE PERIOD provision.  The date your Spouse voluntarily cancels coverage under this rider.  The date your Spouse’s coverage under the Spouse Accident Rider terminates.  The date there are no longer any eligible Children as defined by this rider.  The date the Policy terminates because we stop providing accident coverage to all groups in the Policy issue state and coverage for all Covered Persons under the Policy terminates. We will provide 60 days Written notice of termination.