ICC19 RL-STD-CERT-19 10 D12972 (11/25) 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. If you are not in Active Employment due to Employer approved non-medical leave of absence on the effective date of the Employer’s coverage under our Policy, and you were covered under the Employer’s prior group policy of disability income 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 an Employer approved non-medical leave of absence on the Policy Effective Date, 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. TERMINATION OF COVERAGE Your coverage under the Policy ends on the earliest of the following dates:  The date the Policy terminates.  The date you are no longer in an eligible class.  The date your eligible class is no longer covered.  The date you voluntarily cancel your coverage.  The end of the period for which you paid Premiums, if you stop making a required premium contribution, subject to the grace period.  The end of the Policyholder's grace period, if the Policyholder does not remit Premium to us by the end of such period.  The last day you are in Active Employment. We will provide coverage for a Payable Claim that occurs while you are covered under the Policy. Upon your return to Active Employment following active military service, and while coverage is in force for Employees under the Policy, we will reinstate your coverage in accordance with the requirements of the federal Uniformed Services Employment and Reemployment Rights Act of 1994 (USERRA), as amended. POLICY TERMINATION The Policy can be terminated either by us or by the Policyholder. We may terminate the Policy for any of the following reasons:  There is less than 5% participation of those eligible persons who pay all or part of their Premium for the Policy.  The Policyholder does not promptly provide us with information that is reasonably required, or fails to perform any obligation required by the Policy and applicable law.