GC 3100.13-1 SECTION 5A - INDIVIDUAL REINSTATEMENT (FOM) (Credit: Wait Per/Pre-Ex) SECTION 5A - INDIVIDUAL REINSTATEMENT INDIVIDUAL REINSTATEMENT: If Personal Insurance terminates under the Group Policy due to cessation of Active Work for the Participating Unit, it may be reinstated subject to the terms of this provision. Individual Reinstatement must be requested during the 31-day period immediately following return to Active Work for the Participating Unit in accordance with the terms stated in this provision. Individual Reinstatement will be for the same coverage amount and eligible class that the Employee belonged to immediately prior to his termination. AUL may require Evidence of Insurability if reinstatement is requested for an amount or eligible class that differs from the coverage the Employee had with the Participating Unit immediately prior to his cessation of Active Work. Reinstatement is subject to payment of required premiums and that the Participating Unit is currently insured by AUL under the Group Policy. In addition to the above requirements, the following also applies: 1) If an Employee returns to Active Work within 30 days (consecutive calendar days) of his Individual Termination date and requests Individual Reinstatement: a) Personal Insurance will become effective the first day of the Coverage Month immediately following the date of request for Individual Reinstatement. b) Evidence of Insurability will not be required for Individual Reinstatement to the same coverage amount and eligible class held by the Employee under the Group Policy immediately prior to cessation of Active Work. c) Credit will be given towards satisfaction of the eligibility Waiting Period and of the Pre-Existing Condition exclusion or limitation period the Person previously served under the Group Policy, if he returns to Active Work within 30 days of his termination. However, any days accumulated during the period of lapse in coverage will not be credited. The original Individual Effective Date of Insurance will be used when applying the eligibility Waiting Period and the Pre-Existing Condition exclusion or limitation period. 2) If an Employee returns to Active Work more than the number of consecutive calendar days, shown in 1) above, after his Individual Termination date and requests Individual Reinstatement: a) The Employee will be considered a New Employee subject to the terms of the Group Policy. b) Eligibility for Personal Insurance, enrollment and his Individual Effective Date Of Insurance will be determined as stated in the Group Policy. c) The Waiting Period and Pre-Existing Condition exclusion or limitation period will start anew. The Individual Reinstatement date will be used when applying the Pre-Existing Condition exclusion or limitation period. 3) If the Employee is currently insured under the Group Policy’s Conversion Privilege and returns to Active Work with the Participating Unit and requests Individual Reinstatement to the Group Policy: a) Personal Insurance will become effective the first day of the Coverage Month immediately following the date of request for Individual Reinstatement. b) Evidence of Insurability will not be required for Individual Reinstatement to the same coverage amount and eligible class held by the Employee under the Group Policy immediately prior to cessation of Active Work c) Credit will be given towards satisfaction of the Pre-Existing Condition exclusion or limitation period he already served under the Group Policy and the Conversion Policy. The Employee’s original Individual Effective Date of Insurance will be used when applying the Pre-Existing Condition exclusion or limitation period. d) AUL will terminate his coverage under the Conversion Policy immediately prior to the date of Individual Reinstatement under the Group Policy.