3. In the General Provisions section, the following provisions are replaced: Policy Termination We may terminate coverage on or after the first anniversary of the policy effective date as of any premium due date. Subscriber may terminate coverage on any premium due date. Written notice by certified mail must be given at least 60 days prior to such premium due date. Failure by Subscriber to pay premiums when due or within the grace period shall be deemed notice to Us to terminate coverage at the end of the period for which premium was paid. Cancellation for nonpayment of premium or failure to meet the requirements for being a group will not be subject to this 60 day requirement. Termination will not affect a claim for a Covered Loss that is the result, directly and independently of all other causes, of a Covered Accident that occurs while coverage was in effect. Conformity with Statutes Any provisions in conflict with the requirements of Louisiana or federal law that apply to this Policy are automatically changed to satisfy the minimum requirements of such laws. Massachusetts residents: Under the Eligibility and Effective Date Provisions section, the following is added: Continuation of Insurance after leaving the group If a Covered Person leaves the group covered under the Policy, insurance for such Covered Person will be continued until the earliest of the following dates: 1. 31 days from the date the Covered Person leaves the group; 2. the date the Covered Person becomes eligible for similar benefits. Continuation of Insurance due to a Plant Closing or Partial Closing If an Employee leaves the group due to termination of employment resulting from a Plant Closing or Partial Closing, insurance for such Employee will be continued until the earliest of the following dates: 1. 90 days from the date of the Plant Closing or Partial Closing; 2. the date the Employee becomes eligible for similar benefits. Definitions: For purposes of this provision: Plant Closing means a permanent cessation or reduction of business at a facility which results or will result as determined by the director in the permanent separation of at least 90% of the employees of said facility within a period of six months prior to the date of certification or with such other period as the director shall prescribe, provided that such period shall fall within the six month period prior to the date of certification. Partial Closing means a permanent cessation of a major discrete portion of the business conducted at a facility which results in the termination of a significant number of the employees of said facility and which affects workers and communities in a manner similar to that of Plant Closings. Missouri residents: 1. Under the General Definitions section, the definition of Covered Accident does not include reference to an ''external'' event. 2. Under the General Definitions section, the definition of Totally Disabled or Total Disability means either: a) the inability of the Covered Person who is currently employed to perform the material and substantial duties of the Covered Person’s occupation for a period of at least twelve months. After the initial benefit period, total disability shall mean the Covered Person’s inability to perform the material and substantial duties of any occupation for which the Covered Person is qualified by education, training or experience; or b) the inability of the Covered Person who is not currently employed to perform all of the activities of daily living including eating, transferring, dressing, toileting, bathing, and continence, without human supervision or assistance. 20