ICC18 LR14GP-SPR-2 4 SPR-12995 (11/25) EFFECTIVE DATE OF CHANGES TO COVERAGE Once your Spouse’s coverage begins, any increased or additional Contributory 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 on the date the increased or additional coverage would otherwise start.  The date we approve your Spouse’s Evidence of Insurability, if Evidence of Insurability is required.  The date your Spouse is no longer hospitalized, or confined at home under a doctor’s care, or receiving or applying to receive disability benefits from any source, if any of these conditions are true on the date the increased or additional coverage would otherwise start. Any decrease in coverage other than benefit reductions noted on the SCHEDULE OF BENEFITS will take effect immediately but will not affect a payable claim that occurs prior to the decrease. CHANGE OF INSURANCE CARRIERS If your coverage is being provided under the CHANGE OF INSURANCE CARRIERS provision in the Certificate, then we will also provide continuity of Spouse coverage under the same conditions and for the same duration. Any benefits payable under this provision will be the lesser of the amount of coverage under the prior policy had it remained in force, or the amount of eligible Spouse coverage under our Policy. We will reduce our payment by any amount paid under the prior policy. If Spouse coverage under this provision ends while the Policy is in force, and your Spouse is not otherwise eligible for insurance under the Policy, then your Spouse coverage will be eligible for conversion as described in the CONVERSION provision. If your Spouse was not covered under the Employer's prior policy on the date that policy terminated, then the EFFECTIVE DATE OF COVERAGE provision will apply. SPOUSE ACTIVE MILITARY DUTY If your Spouse is insured under this rider and your Spouse begins full-time active duty in the armed forces of any country or subdivision thereof, then you should notify the Policyholder to cancel this rider. Coverage under this rider will terminate at the beginning of the period during which your Spouse is no longer eligible, and any unearned Premiums that were collected will be refunded. If your Spouse’s full time active military duty ends, then Spouse coverage under this rider will become effective on the date your Spouse is again eligible for coverage. If your Spouse’s full-time active military duty ends, then you may re-enroll for Contributory Spouse coverage under this rider subject to the following:  If you re-enroll for Contributory Spouse coverage within 2 months of the date your Spouse is again eligible for coverage, then the maximum amount of Contributory Spouse coverage available will be the lesser of the amount that was in effect on the day before coverage ended and the then current maximum amount of Contributory Spouse coverage available under this rider. Contributory Spouse coverage will become effective on the later of the following:  The date you re-enroll for Contributory Spouse coverage, if you are in Active Employment.  The date your Spouse is not hospitalized or confined at home under a doctor’s care.  The date your Spouse is not receiving or applying to receive disability benefits from any source.  The date you return to Active Employment, if you are not in Active Employment when your Contributory Spouse coverage would otherwise become effective. Exception: Contributory 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: vacations, personal holidays, weekends and holidays, approved nonmedical leave of absence and paid time off for nonmedical-related absences.  If you re-enroll for Contributory Spouse coverage more than 2 months after your Spouse is again eligible for coverage, then Evidence of Insurability on your Spouse will be required. If Evidence of Insurability is approved by us, Contributory Spouse coverage will become effective on the date specified by us.