RL-HI2-CNT-18 3 CNT-12970 (11/25) Sickness or Injury If you are on a Leave of Absence due to your sickness or injury, then insurance coverage for all Covered Persons may be continued until the last day of the month which 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 until the last day of the month which 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 until the last day of the month which 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 until the last day of the month which 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 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.  The date you are eligible under the Policy due to Active Employment.  The date of your death.  The date you become covered under another group hospital confinement indemnity insurance policy as an employee or member.  The date the Policy terminates.  The date coverage for all Employees under the Policy terminates. 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. When this continuation ends, insurance under the Policy will stay in force only if all of the following conditions are met:  Hospital Confinement Indemnity insurance is in force for Employees under the Policy; and  You are in an eligible class for coverage under the Policy; and  Your premium payments are resumed. The amount of insurance will be subject to the Certificate and riders in effect on the date your premium payments are resumed.