ICC19 RL-STD-CNT-19 3 CNT-12972 (11/25) TEMPORARY LAYOFF If you stop Active Employment due to a Temporary Layoff, then your insurance coverage 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 your insurance coverage 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 disability income insurance policy as an employee or member.  The date Premiums are waived under the Waiver of Premium Rider.  The date the Policy terminates.  The date coverage for all Employees under the Policy terminates. In no event will coverage for you be continued beyond the date coverage would otherwise end according to the termination provision(s) of the Certificate and riders. When this continuation ends, other than by waiver of premium, your insurance under the Policy will stay in force only if all of the following conditions are met:  Disability income 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 continue to be submitted. The amount of insurance will be subject to the Certificate and riders in effect on the date you return to Active Employment and continued premium payments. RETURN TO ACTIVE EMPLOYMENT If coverage is not continued during your Leave of Absence for active military service, and you return to Active Employment while coverage is in force for Employees under the Policy, then your coverage may be reinstated in accordance with USERRA and applicable state law. If coverage is not continued during any period that is eligible for continuation under the Policy, and you return to Active Employment in an eligible class while coverage is in force for Employees under the Policy, then the terms of the Certificate and riders in effect on the date of your return to Active Employment will apply.