RL-HI2-CNT-18 2 CNT-12970 (11/25) GENERAL PROVISIONS ELIGIBILITY If you are covered under the Policy, then you are eligible for this rider on the latest of the following:  The Policy effective date.  The date this rider is available to the eligible class of Employees to which you belong.  Your Hospital Confinement Indemnity 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 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 hospital confinement indemnity insurance at the time the Employer's coverage under our Policy became effective. TERMINATION This rider terminates on the earliest of the following:  The date your Hospital Confinement Indemnity insurance terminates.  The date this rider is terminated for all Employees under the Policy.  The date this rider is terminated for the eligible class of Employees to which you belong. CONTINUATION OF INSURANCE If you stop Active Employment due to:  Employer-approved Leave of Absence, or  Temporary Layoff, or  Labor Strike then insurance 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 stop 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 paid as described in the Certificate and riders. 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 any applicable state family and medical leave law ("State FML"), and the Employer's human resource policy provides for continuation of insurance during an 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. EMPLOYER-APPROVED LEAVE(S) OF ABSENCE