9 IV. WHEN COVERAGE ENDS A. Except as otherwise provided for under this Certificate, coverage will cease on the earliest of the following to occur: 1. the date the Group Policy terminates or the date Your Employer’s coverage under the Group Policy terminates; 2. the end of the month following the date you cease to be an Eligible Employee; 3. if premium is not paid when required, the last day of the period for which premium was paid; 4. the date You become eligible for coverage as an employee under another group term life insurance policy; 5. if You are a contract Eligible Employee not returning to work as an Eligible Employee the next contract year, the earlier of the following: a) the date You become employed with another employer; b) expiration of the current contract year; 6. Your Retirement Date, unless You become insured for Retiree Life Insurance under the Group Policy. 7. for AD&D coverage, the earlier of the date Your corresponding life insurance ends, the date Your Waiver of Premium Benefit begins or Your Retirement Date. B. Approved FMLA Leave of Absence – Contributory or Noncontributory Coverage 1. With regard to the Federal Family and Medical Leave Act (FMLA) of 1993, as amended, the Employer and Employee must be eligible for FMLA in order to receive it. If You are on an approved FMLA leave, coverage will continue until the later of the leave period required by FMLA or the leave period required by applicable state law, provided that : a) The FMLA leave is approved in advance by the Employer and such approval includes documentation of the beginning and ending dates of the FMLA leave; and b) The documentation of the advance approval of the FMLA leave beginning and end dates is available to Us at Our request; and c) FMLA leaves of absence and the right to continue coverage during FMLA leaves are available to all Employees in the same Eligible Class under the Group Policy; and d) the Employer remits the required premium for coverage. C. Paid Leave of Absence. If You are on a paid leave of absence, coverage will continue subject to the following: 1. Noncontributory coverage a) Coverage will continue provided that: (1) The paid leave of absence is approved in advance by the Employer and such approval includes documentation of the beginning and ending dates of the paid leave of absence; and (2) The documentation of the advance approval of the paid leave of absence beginning and end dates is available to Us at Our request; and (3) paid leaves of absence and the right to continue coverage during paid leaves are available to all Employees in the same Eligible Class under the Group Policy; and (4) the Employer remits the required premium for coverage. b) Unless You return to active, eligible status on or before the date the paid leave of absence is scheduled to end, coverage extended during a paid leave of absence will terminate on the earlier of: (1) the date the paid leave of absence is scheduled to end; or (2) 12 months from the date the paid leave of absence began; or (3) upon termination of employment with the Employer. 2. Contributory Coverage a) Coverage will continue provided that: (1) The paid leave of absence is approved in advance by the Employer and such approval includes documentation of the beginning and ending dates of the paid leave of absence; and (2) The documentation of the advance approval of the paid leave of absence beginning and end dates is available to Us at Our request; and (3) paid leaves of absence and the right to continue coverage during paid leaves of absence are available to all Employees in the same Eligible Class under the Group Policy; and