RL-ACC3-CHR2-23-IN 2 CHR-12967 (11/25) This definition includes your Child age 26 or older who is incapable of self-sustaining employment due to physical or intellectual disability. Written proof of the Child's incapacity must be furnished to us at our home office within 31 days after the Child reaches age 26. We may require, at reasonable intervals, but not more than once a year after the two year period following attainment of the limiting age, evidence satisfactory to us that the incapacity is continuing. Coverage will continue while the Child remains incapable of self-sustaining employment due to physical or intellectual disability and continues to meet the definition of Child except for the age limit. Spouse means your lawful spouse. GENERAL PROVISIONS ELIGIBILITY If you are covered under the Policy, then your Children are eligible under this rider on the latest of the following:  The Policy effective date.  The date coverage under this rider is available to the eligible class of Insured Persons to which you belong.  Your Accident coverage effective date.  The date you acquire a Child by marriage, birth or adoption. If both you and your Spouse are covered under the Policy as an Employee, then only one of you may cover your Children under this rider. If the parent who is covering the Children stops being insured as an Employee then the other parent may enroll for Children’s coverage under this rider within 60 days. ENROLLMENT If you have a Child or Children eligible for coverage, you must enroll for any coverage before it will become effective. You may enroll for Children’s coverage when you become newly eligible, or following a qualifying life event as allowed by the Employer, or during an enrollment period chosen by the Employer and approved by us. The Employer or we will provide you with the forms or information needed to complete your enrollment. EFFECTIVE DATE OF COVERAGE Your Children will be covered at 12:01 a.m. standard time at the Policyholder’s address on the latest of the following:  The date your Children are eligible for coverage, if you enroll for Children’s coverage on or before that date.  The first day of the month that is on or next follows the date you enroll for Children’s coverage.  The first day of the month that is on or next follows the date you return to Active Employment, if you are not in Active Employment when your Children’s coverage would otherwise become effective. Exception: Coverage starts on a non-working day if you were in Active Employment on your last scheduled working day before the non-working day. Non-working days include time off for the following: vacations, personal holidays, weekends and holidays, approved nonmedical leave of absence and paid time off for non-medical-related absences. If you have coverage under this rider and you acquire a new eligible Child due to birth, marriage or adoption, then the newly eligible Child will be covered automatically from the date of the event. If an adopted newborn Child is placed with you within 30 days of birth, the “event” will be the date of birth. If an adopted Child is placed with you more than 30 days after birth, the “event” will be the date of placement. No additional premium is required. EFFECTIVE DATE OF CHANGES TO COVERAGE Once your Children’s coverage begins, any increased or additional coverage will take effect on the latest of the following:  The date of the increased or additional coverage, if you are in Active Employment.  The date you return to Active Employment, if you are not in Active Employment due to injury or sickness. Any decrease in coverage will take effect immediately but will not affect a payable claim that occurs prior to the decrease.