RL-ACC3-CNT2-23-IN 3 CNT-12967 (11/25) This continuation of coverage includes all riders that were in effect on the date before the FMLA or State FML Leave of Absence began. Sickness or Injury If you are on a Leave of Absence due to your sickness or injury, including Total Disability, then insurance coverage for all Covered Persons may be continued under this rider until the earliest of the following:  The last day of the month which is on or next follows the date your approved Leave of Absence ends.  The last day of the month which is on or next follows the date which is 9 months after the date you stopped Active Employment. This continuation of coverage includes all riders that were in effect on the date before the Leave of Absence began. TEMPORARY LAYOFF If you stop Active Employment due to a Temporary Layoff, then insurance coverage for all Covered Persons may be continued under this rider until the earliest of the following:  The last day of the month which is on or next follows the date your Temporary Layoff ends.  The last day of the month which is on or next follows the date which is 2 months after the date you stopped Active Employment. This continuation of coverage includes all riders that were in effect on the date before the Leave of Absence began. LABOR STRIKE If you stop Active Employment due to a Labor Strike, then insurance coverage for all Covered Persons may be continued under this rider until earliest of the following:  The last day of the month which is on or next follows the end of the Labor Strike period.  The last day of the month which is on or next follows the date which is 2 months after the date you stopped Active Employment. This continuation of coverage includes all riders that were in effect on the date before the Leave of Absence began. CONCURRENT LEAVES OF ABSENCE If you would be eligible for more than one type of continuation under this rider during any one period that you are not in Active Employment, we will consider such periods to be concurrent for the purpose of determining how long your coverage may continue under the Policy. TERMINATION OF CONTINUATION Coverage continued under this rider will end on the earliest of the following:  The end of the continuation period as indicated above.  The date coverage under this rider is terminated for all Active Employees under the Policy.  The date coverage under this rider is terminated for the eligible class of Active Employees to which you belong.  The end of the period for which premiums are paid, if the next premium is not paid by its due date, subject to the GRACE PERIOD provision.  The date you are eligible under the Policy as an Active Employee.  The date of your death.  The date you become covered under another group accident insurance policy as an employee or member. In no event will coverage for any Covered Person be continued beyond the date coverage would otherwise end according to the termination provision(s) of the Certificate and riders. Other Leave of Absence If you are on a Leave of Absence for any other reason, then insurance coverage for all Covered Persons may be continued under this rider until the earliest of the following:  The last day of the month which is on or next follows the date your approved Leave of Absence ends.  The last day of the month which is on or next follows the date which is 60 days after the date you stopped Active Employment. This continuation of coverage includes all riders that were in effect on the date before the Leave of Absence began.