INDIVIDUAL ELIGIBILITY, EFFECTIVE DATE AND TERMINATION ELIGIBLE CLASSES: The eligible classes will be those persons described on the Schedule of Benefits. ELIGIBILITY REQUIREMENTS: You are eligible for insurance under the Policy if you are a member of an Eligible Class, as shown on the Schedule of Benefits page. EFFECTIVE DATE OF INDIVIDUAL INSURANCE: If the Policyholder pays the entire premium, the insurance of an Eligible Person will go into effect on the date stated on the Schedule of Benefits. If you, as an Eligible Person, pay a part of the premium, you must apply for the insurance to go into effect. You will become insured on the later of: (1) the Individual Effective Date as shown on the Schedule of Benefits; or (2) the first day of the month following the date you apply; or (3) the date premium is remitted. Changes in your Benefit Amount are effective as shown on the Schedule of Benefits. If you, as an Eligible Person, are not Actively At Work on the day your insurance is to go into effect, the insurance will go into effect on the day you return to Active Work in an Eligible Class for one full day. TERMINATION OF INDIVIDUAL INSURANCE: Your coverage will terminate on the first of the following to occur: (1) the date the Policy terminates; (2) the last day of the Policy month in which you cease to be in a class eligible for this insurance; (3) the end of the period for which premium has been paid; or (4) the date you enter military service on active duty (not including Reserves or National Guard). Any Loss which occurs prior to the termination of this insurance coverage will not be affected. CONTINUATION OF INDIVIDUAL INSURANCE: The insurance may be continued, by payment of premium, beyond the date you cease to be eligible for this insurance, but not longer than: (1) 12 months, if due to Sickness or Injury; or (2) 1 month, if due to approved leave of absence; or (3) 1 month, if due to temporary lay-off. INDIVIDUAL REINSTATEMENT: Insurance may be reinstated if you, as a former Insured Person have been: (1) on an approved leave of absence; or (2) on temporary lay-off. You, as the former Insured Person, must return to Active Work with the Policyholder within the period of time shown on the Schedule of Benefits. You must also be a member of a class eligible for this insurance. You, as the former Insured Person, will not be required to fulfill the Service Waiting Period of the Policy again. The insurance will go into effect on the date you return to Active Work for one full day. However, if you return after having resigned or having been discharged, you will be required to fulfill the eligibility requirements of the Policy again. LRS-9548-0318-IN Page 4.0