ICC18 LR14GP-ADD-2 6 ADD-12995 (11/25) 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 AD&D 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 For Noncontributory coverage, each Covered Person will be covered at 12:01 a.m. standard time at the Policyholder’s address on the date the Covered Person is eligible for coverage. For Contributory coverage, each Covered Person will be covered at 12:01 a.m. standard time at the Policyholder’s address on the latest of the following:  The date the Covered Person is eligible for coverage, if you enroll for coverage on or before that date.  The date you enroll for coverage.  The date you return to Active Employment, if you are not in Active Employment when the Covered Person’s 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: vacations, personal holidays, weekends and holidays, approved nonmedical leave of absence and paid time off for nonmedical-related absences. EFFECTIVE DATE OF CHANGES TO COVERAGE Once AD&D 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. 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. TERMINATION This rider will terminate on the earliest of the following:  The date your life 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.  The end of the period for which Premiums for this rider are paid if the next Premium is not paid by its due date, subject to the Policy's grace period.  The date you voluntarily cancel this rider in Writing, as allowed by the Employer unless prohibited by federal and state law.  The date you retire from Active Employment with the Employer.  For your Spouse's coverage, the date the Spouse Life Insurance Rider terminates.  For each Child's coverage, the date your Child's coverage under the Children's Life Insurance Rider terminates.  For your Spouse's coverage, the date you voluntarily cancel Contributory Spouse AD&D coverage under this rider in Writing, as allowed by the Employer unless prohibited by federal and state law.  For your Children's coverage, the date you voluntarily cancel Contributory Children's AD&D coverage under this rider in Writing, as allowed by the Employer unless prohibited by federal and state law.  The date a claim is approved under the Waiver of Premium Rider. Termination will not prejudice the payment of benefits for a covered loss caused by an Accidental Injury that occurs while the Covered Person is insured under this rider. CONVERSION When coverage under this rider terminates, conversion of AD&D coverage to an individual policy is not available.