RL-CI4-CERT2-20-IN 14 D12969 (11/25) GENERAL PROVISIONS ELIGIBILITY If you are an Employee in an eligible class (shown on the SCHEDULE OF BENEFITS), the date you are eligible for coverage is the later of the following:  The Policy effective date.  The date you enter an eligible class.  The day after you complete your Eligibility Waiting Period. ENROLLMENT If you are eligible for coverage, you must enroll for any coverage before it will become effective. The Employer or we will provide you with the forms or information needed to complete your enrollment. You may enroll 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. EFFECTIVE DATE OF COVERAGE You will be covered at 12:01 a.m. standard time at the Policyholder’s address on the latest of the following:  The date you are eligible for coverage, if you enroll for coverage on or before that date.  The first day of the month that is on or next follows the date you enroll for 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 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 non-medical leave of absence and paid time off for non-medical-related absences. EFFECTIVE DATE OF CHANGES TO COVERAGE Once your 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. CHANGE OF INSURANCE CARRIERS If you are not in Active Employment due to injury or sickness on the effective date of the Employer’s coverage under our Policy, and you were covered under the Employer’s prior group policy of critical illness or specified disease insurance at the time the Employer's coverage under our Policy became effective, we will provide continuity of coverage under our Policy. In order for this provision to apply, the prior policy's coverage must be similar to our Policy. If you are not in Active Employment due to injury or sickness on the effective date of our Policy, and you would otherwise be eligible to become insured under our Policy, we will provide limited coverage under our Policy. Coverage under this provision will begin on our Policy effective date and will continue until the earliest of the following:  The date you return to Active Employment.  The end of any period of continuance or extension provided under the prior policy.  The date coverage would otherwise end, according to the provisions of our Policy. Your coverage under this provision is subject to payment of premiums. Any benefits payable under this provision will be paid as if the prior policy had remained in force. We will reduce our payment by any amount for which the prior carrier is liable. If your coverage ends under this provision, or if you were not covered under the Employer's prior policy on the date that policy terminated, the EFFECTIVE DATE OF COVERAGE provision under our Policy will apply.