ICC19 RL-STD-CERT-19 9 D12972 (11/25) GENERAL PROVISIONS ELIGIBILITY If you are working for the Employer in an eligible class (shown in the SCHEDULE OF BENEFITS), the date you are eligible for coverage is the later of the following:  The Policy Effective Date.  The day after you complete your Eligibility Waiting Period. ENROLLMENT If you are eligible for Contributory coverage, you must enroll for any Contributory coverage before it will become effective. We or the Employer will provide you with the forms or information needed to complete your enrollment. No enrollment is required if the Policy replaces a group policy issued by us or by another insurance company, and you were covered under the Prior Policy on the day before that policy was replaced by our Policy. The amount of Contributory coverage that becomes effective on our Policy Effective Date will be at the same level as under the Prior Policy, subject to the terms of our Policy including any maximum coverage amounts under our Policy. EFFECTIVE DATE OF COVERAGE You will be covered at 12:01 a.m. standard time at the Policyholder’s address on the latest of the following:  The date you are eligible for coverage, if you apply for coverage on or before that date.  The date you apply for coverage.  The Policy Anniversary Date following the Open Enrollment Period.  The date you return to Active Employment, if you are not in Active Employment when your coverage would otherwise become effective. Exception: Coverage starts on a non-working day if you were in Active Employment on your last scheduled working day before the non-working day. Non-working days include time off for the following: planned vacations that your Employer has approved, personal holidays, weekends and holidays, approved non-medical leave of absence and paid time off for non-medical-related absences. EFFECTIVE DATE OF CHANGES TO COVERAGE Once your coverage begins, any increased or additional coverage will take effect on the latest of the following:  The date of the increased or additional coverage, if you are in Active Employment.  The date you return to Active Employment, if you are not in Active Employment due to Injury or Sickness.  The Policy Anniversary Date following the Open Enrollment Period. As it applies to this provision, additional coverage includes increases in your weekly benefit and other changes that may impact when or for how long benefits are payable. Any decrease in coverage will take effect immediately but will not affect a Payable Claim that occurs prior to the decrease. CHANGE OF INSURANCE CARRIERS If you are in Active Employment in an eligible class on the date your Employer changes insurance carriers to our Policy, and you were covered under the Prior Policy on the day before your 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 Injury or Sickness 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 Policy's coverage must be similar to our Policy.