RL-CI4-CNT2-20 3 CNT-12969 (11/25) EMPLOYER-APPROVED LEAVE(S) OF ABSENCE Family and Medical Leave If you are on a Leave of Absence as described under the Family and Medical Leave Act of 1993 and any amendments ("FMLA") or applicable state family and medical leave law ("State FML"), and the Employer's human resource policy provides for continuation of insurance during a FMLA or State FML Leave of Absence, then insurance coverage for all Covered Persons may be continued until the end of the later of:  The leave period permitted by FMLA.  The leave period permitted by State FML. 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. 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. 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 the 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.