ICC18 LR14GP-CTD-2 3 CTD-12995 (11/25) information from the Employer in order to verify eligibility. We may also require you to be interviewed by our authorized representative. Proof of your Total Disability, including any attachments indicated on the claim form(s) as required, should be sent directly to us at the address indicated on the form(s). We have the right to request a second or third medical opinion, at our expense, in order to determine if you are Totally Disabled. Any second medical opinion may include a physical examination by a Doctor or other medical practitioner of our choice. In the case of conflicting medical opinions, Total Disability will be determined by a third medical opinion that is provided by a Doctor who is mutually acceptable to you and us. We will notify the Employer if we approve your claim. We will notify you and the Employer if we deny your claim. If we deny your claim, conversion is available as described in the CONVERSION provision of the Certificate and riders. If we approve your claim and you had previously converted coverage to an individual policy(ies) when your Active Employment terminated, then the individual policy(ies) must be surrendered without claim (other than refund of Premium) in order for coverage to be continued under this rider. The same coverage(s) that would otherwise end due to your termination of Active Employment may not be both continued under this rider and converted. The Beneficiary for your coverage will be the most recent Beneficiary designated under either the group Policy or the individual conversion policy. See the Certificate and riders for more information about the Beneficiary. After your claim is approved, we may periodically request additional proof of your continuing Total Disability, but not more frequently than once every six months. If a Covered Person dies while the Policy is in force for Active Employees and all of the following are true:  You didn’t previously submit a claim under this rider, and  You would otherwise have met the CONDITIONS FOR TOTAL DISABILITY CONTINUATION, and  Life insurance for the Covered Person would still have been in force under the Policy on the date of the Covered Person’s death if a claim under this rider had been approved, then the Beneficiary can submit a claim for death benefit proceeds along with proof that your Total Disability continued without interruption from the last day you were in Active Employment until the Covered Person’s death. Any Premiums that would have been due for continued coverage must be paid. TERMINATION OF TOTAL DISABILITY CONTINUATION Continued coverage under this rider will stop on the earliest of the following dates:  The date you are no longer Totally Disabled.  The date you do not give us proof of Total Disability as requested.  Your 65th birthday; however, the continuation period will not be less than 6 months while the Policy is in force for Active Employees.  The date the Policy terminates.  The date coverage for all Active Employees under the Policy terminates.  For your Spouse and Children’s coverage, the date that person’s life insurance would otherwise end according to the terms of the rider(s). If coverage is no longer continued under this rider, insurance under the Policy will stay in force only if all of the following conditions are met:  Life insurance is in force for Active Employees under the Policy, and  You are in an eligible class for coverage under the Policy, and  Your Premium payments are continued. The amount of insurance will be subject to the Certificate and riders in effect on the date you become eligible as an Active Employee. You will not be eligible for portability under the Portability Rider on the date continued coverage under this rider terminates.