RL-CI4-CHR2-20-IN 7 CHR-12969 (11/25) 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 Critical Illness 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 Your Children will be covered at 12:01 a.m. standard time at the Policyholder’s address on the later of the following dates:  The date your Employee coverage is effective.  The date your Children are eligible for coverage. If you have coverage on yourself, your eligible newborn Child is automatically covered for the first 31 days after birth. This includes an adopted newborn Child who is placed with you within 30 days of birth. The coverage amount(s) will be the same as for your other eligible Children. If you do not already have Children’s coverage under this rider, then coverage for the newborn will be at the lowest level available. If you do not already have Children’s coverage under this rider, then Child coverage beyond the 31st day is subject to the conditions regarding application and Active Employment. 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. TERMINATION 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.