TABLE OF CONTENTS GCERT2000 toc 24 Section Page CERTIFICATE FACE PAGE ............................................................................................................................... 1 NOTICES ............................................................................................................................................................ 2 SCHEDULE OF BENEFITS .............................................................................................................................. 25 DEFINITIONS .................................................................................................................................................... 29 ELIGIBILITY PROVISIONS: INSURANCE FOR YOU ...................................................................................... 31 Eligible Classes ............................................................................................................................................. 31 Date You Are Eligible For Insurance ............................................................................................................. 31 Enrollment Process ........................................................................................................................................ 31 Date Your Insurance Takes Effect ................................................................................................................. 31 Date Your Insurance Ends ............................................................................................................................. 33 SPECIAL RULES FOR GROUPS PREVIOUSLY COVERED UNDER OTHER GROUP LIFE AND AD&D INSURANCE .................................................................................................................................................... 35 CONTINUATION OF INSURANCE WITH PREMIUM PAYMENT .................................................................... 37 For Family And Medical Leave ...................................................................................................................... 37 At Your Option: Portability ............................................................................................................................. 37 At The Employer's Option .............................................................................................................................. 39 Continuation Of Accidental Death And Dismemberment (AD&D) ................................................................ 39 EVIDENCE OF INSURABILITY ........................................................................................................................ 41 LIFE INSURANCE: FOR YOU .......................................................................................................................... 42 LIFE INSURANCE: ACCELERATED BENEFIT OPTION (ABO) FOR YOU ..................................................... 43 LIFE INSURANCE: CONVERSION OPTION FOR YOU .................................................................................. 45 ELIGIBILITY FOR CONTINUATION OF CERTAIN INSURANCE WHILE YOU ARE TOTALLY DISABLED ... 47 ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE ....................................................................... 49 ADDITIONAL BENEFIT: AIR BAG USE ........................................................................................................ 51 ADDITIONAL BENEFIT: SEAT BELT ............................................................................................................ 52 ADDITIONAL BENEFIT: CHILD CARE ......................................................................................................... 53 ADDITIONAL BENEFIT: COMMON CARRIER ............................................................................................. 54 FILING A CLAIM ............................................................................................................................................... 55 GENERAL PROVISIONS .................................................................................................................................. 56 Assignment .................................................................................................................................................... 56 Beneficiary ..................................................................................................................................................... 56 Entire Contract ............................................................................................................................................... 56 Incontestability: Statements Made By You .................................................................................................... 57 Misstatement of Age ...................................................................................................................................... 57 Conformity with Law ...................................................................................................................................... 57 Physical Exams ............................................................................................................................................. 57 Autopsy .......................................................................................................................................................... 57