ICC18 LR14GP-CHR-2 4 CHR-12995 (11/25) EFFECTIVE DATE OF COVERAGE Your Children will be covered at 12:01 a.m. standard time at the Policyholder’s address on the latest of the following:  The date your Children are eligible for coverage, if you enroll for Children’s coverage on or before that date.  The date you enroll for Children’s coverage.  The date we approve each Child’s Evidence of Insurability, if Evidence of Insurability is required.  The date you return to Active Employment, if you are not in Active Employment when your Children’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.  The date your Child 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 that Child’s coverage would otherwise become effective. Exception: This does not apply to a newborn. Your eligible newborn Child is automatically covered for the first 31 days after birth. This includes an adopted newborn Child who is placed with you within 31 days of birth. The coverage amount(s) will be the same as for your other eligible Children. If you do not already have Children’s coverage under this rider, then Contributory coverage for the newborn will be at the lowest level available. If you do not already have Children’s coverage under this rider, then Child coverage beyond the 31st day is subject to the conditions regarding application and Active Employment. If you have coverage under this rider and you acquire a new eligible Child due to birth, marriage or adoption, then the newly eligible Child will be covered automatically from the date of the event. If an adopted newborn Child is placed with you within 31 days of birth, the “event” will be the date of birth. If an adopted Child is placed with you more than 31 days after birth, the “event” will be the date of placement. No additional premium is required. EFFECTIVE DATE OF CHANGES TO COVERAGE Once your Children’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 each Child’s Evidence of Insurability, if Evidence of Insurability is required.  The date your Child 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 that Child’s increased or additional coverage would otherwise start. 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 your coverage is being provided under the CHANGE OF INSURANCE CARRIERS provision in the Certificate, then we will also provide continuity of Children’s 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 Children’s coverage under our Policy. We will reduce our payment by any amount paid under the prior policy. If Children’s coverage under this provision ends while the Policy is in force, and your Children are not otherwise eligible for insurance under the Policy, then your Children’s coverage will be eligible for conversion as described in the CONVERSION provision. If your Children were not covered under the Employer's prior policy on the date that policy terminated, then the EFFECTIVE DATE OF COVERAGE provision will apply.