GC 3100.10B SECTION 3 - ELIGIBILITY AND INDIVIDUAL EFFECTIVE DATE 2003 (Non-Contrib) (Elig: FOM/Indiv Eff Dt: FOM) SECTION 3 - ELIGIBILITY AND INDIVIDUAL EFFECTIVE DATE INITIAL EMPLOYEE: This is an eligible Employee who is Actively At Work and has completed the Waiting Period for Initial Employees before the Participating Unit’s original Effective Date. NEW EMPLOYEE: This is an eligible Employee who was Actively At Work before the Participating Unit’s original Effective Date, but did not complete the Waiting Period for an Initial Employee prior to that date. It also refers to an eligible Employee who has completed the Waiting Period for New Employees and was Actively At Work on or after the Participating Unit’s original Effective Date. ELIGIBILITY DATE: An Employee who is in an Eligible Class as shown on the Schedule of Benefits and has satisfied his Waiting Period, becomes eligible for Personal Insurance under the Group Policy: 1) Initial Employees: on the Participating Unit's original Effective Date of coverage under the Group Policy; or 2) New Employees: the first day of the Coverage Month immediately following completion of the Waiting Period as shown on the Schedule of Benefits. INDIVIDUAL EFFECTIVE DATE OF INSURANCE. This means the date an Employee’s Personal Insurance becomes effective under the Group Policy. This date only applies to the Maximum Monthly Benefit amount less than or equal to the Guaranteed Issue Amount shown on the most recent Schedule of Benefits for a Person’s class and will be the Eligibility Date. If an Employee is not Actively At Work on the date insurance would otherwise become effective, the Individual Effective Date of Insurance is the date the Employee returns to full-time Active Work for the Participating Unit. AMOUNTS IN EXCESS OF THE GUARANTEED ISSUE AMOUNT: Any portion of the Maximum Monthly Benefit that exceeds the Guaranteed Issue Amount will require Evidence of Insurability satisfactory and without expense to AUL. If the excess portion is approved, the effective date for that portion will be named by AUL. If the excess portion is not approved by AUL, the Maximum Monthly Benefit will be an amount equal to the Guaranteed Issue Amount shown on the Schedule of Benefits.