RL-CI4-CNT2-20 2 CNT-12969 (11/25) GENERAL PROVISIONS ELIGIBILITY If you are covered under the Policy, then you are eligible for coverage 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. EFFECTIVE DATE You will be covered at 12:01 a.m. standard time at the Policyholder’s address on the date you are eligible for coverage under this rider. CHANGE OF INSURANCE CARRIERS The CHANGE OF INSURANCE CARRIERS provision in the Certificate is revised to include an Employee whose coverage was being continued under a similar continuation provision in 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. TERMINATION Coverage under this rider terminates on the earliest of the following:  The date your Critical Illness insurance terminates.  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. PORTABILITY If you continue your coverage under the Certificate’s PORTABILITY provision, that continuation will not include this rider. CONTINUATION OF INSURANCE If you stop Active Employment due to:  Employer-approved Leave of Absence, or  Total Disability, or  Temporary Layoff, or  Labor Strike, then coverage may be continued under the Policy beyond the date you are no longer in Active Employment, limited to the time period(s) described below. During this continued coverage period, the amount of continued insurance equals the amount in effect the day prior to the continuation period. That amount will reduce or terminate according to the Certificate and riders in effect the day prior to the continuation period. Premiums are due during the continuation period on the same basis as on the day prior to the continuation period. Contact the Employer for more information. If an eligible claim occurs while coverage is being continued under this rider, then benefits will be payable as described in the Certificate and riders.