INDIVIDUAL ELIGIBILITY, EFFECTIVE DATE AND TERMINATION GENERAL GROUP: The general group will be your employees and employees of any subsidiaries, divisions or affiliates named on the Schedule of Benefits. ELIGIBLE CLASSES: The eligible classes will be those persons described on the Schedule of Benefits. ELIGIBILITY REQUIREMENTS: A person is eligible for insurance under this Policy if he/she is a member of an Eligible Class, as shown on the Schedule of Benefits page. EFFECTIVE DATE OF INDIVIDUAL INSURANCE: If you pay the entire premium, the insurance of an Eligible Person will go into effect on the date stated on the Schedule of Benefits. If an Eligible Person pays a part of the premium, he/she must apply for the insurance to go into effect. He/she 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 he/she applies; or (3) the date premium is remitted. Changes in the Insured Benefit Amount are effective as shown on the Schedule of Benefits. If an Eligible Person is not Actively At Work on the day his/her insurance is to go into effect, the insurance will go into effect on the day he/she returns to Active Work in an Eligible Class for one full day. TERMINATION OF INDIVIDUAL INSURANCE: An Insured Person's coverage will terminate on the first of the following to occur: (1) the date this Policy terminates; (2) the last day of the Policy month in which the Insured Person ceases 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 the Insured Person enters 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 the Insured Person ceases 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 a former Insured Person has been: (1) on an approved leave of absence; or (2) on temporary lay-off. The former Insured Person must return to Active Work with you within the period of time shown on the Schedule of Benefits. He/she must also be a member of a class eligible for this insurance. The former Insured Person will not be required to fulfill the Service Waiting Period of this Policy again. The insurance will go into effect on the date he/she returns to Active Work for one full day. However, if the former Insured Person returns after having resigned or having been discharged, he/she will be required to fulfill the eligibility requirements of this Policy again. LRS-9547-0318-IN Page 5.0