MetLife Life/AD&D Certficate
GCR19-07 Metropolitan Life Insurance Company 200 Park Avenue, New York, New York 10166 CERTIFICATE RIDER Group Policy No.: TM 05384468-G Employer: Buckingham Browne and Nichols School Effective Date: June 1, 2023 The Certificate is changed as shown below: The Certificate is revised to add the following: “ How We Will Pay Benefits Unless the Beneficiary requests payment by check, when the Certificate states that We will pay benefits in “one sum”, “lump sum”, or a “single sum”, We may pay the full benefit amount: 1. by check; 2. by establishing an account that earns interest and provides the Beneficiary with immediate access to the full benefit amount; or 3. by any other method that provides the Beneficiary with immediate access to the full benefit amount. Other modes of payment may be available upon request. For details, call Our toll free number shown on the Certificate Face Page.” This rider is to be attached to and made a part of the Certificate.
GCERT2000 fp 1 All Active Full-Time Employees NB 5/31/2023 Metropolitan Life Insurance Company 200 Park Avenue, New York, New York 10166-0188 CERTIFICATE OF INSURANCE Metropolitan Life Insurance Company ("MetLife"), a stock company, certifies that You are insured for the benefits described in this certificate, subject to the provisions of this certificate. This certificate is issued to You under the Group Policy and it includes the terms and provisions of the Group Policy that describe Your insurance. PLEASE READ THIS CERTIFICATE CAREFULLY. This certificate is part of the Group Policy. The Group Policy is a contract between MetLife and the Employer and may be changed or ended without Your consent or notice to You. Employer: Buckingham Browne and Nichols School Group Policy Number: TM 05384468 - G Type of Insurance: Basic Term Life & Accidental Death and Dismemberment Insurance MetLife Toll Free Number(s): For General Information 1-800-275-4638 THIS CERTIFICATE ONLY DESCRIBES LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE. THE BENEFITS OF THE POLICY PROVIDING YOUR COVERAGE ARE GOVERNED PRIMARILY BY THE LAW OF A STATE OTHER THAN FLORIDA. For Idaho Residents: TEN DAY RIGHT TO EXAMINE CERTIFICATE: You may return the certificate to Us within 10 days from the date You receive it. If You return it within the 10 day period, the certificate will be considered never to have been issued. We will refund any premium paid after We receive Your notice of cancellation. THE GROUP INSURANCE POLICY PROVIDING COVERAGE UNDER THIS CERTIFICATE WAS ISSUED IN A JURISDICTION OTHER THAN MARYLAND AND MAY NOT PROVIDE ALL THE BENEFITS REQUIRED BY MARYLAND LAW. For Residents of North Dakota: If you are not satisfied with your Certificate, You may return it to Us within 20 days after You receive it, unless a claim has previously been received by Us under Your Certificate. We will refund within 30 days of our receipt of the returned Certificate any Premium that has been paid and the Certificate will then be considered to have never been issued. You should be aware that, if you elect to return the Certificate for a refund of premiums, losses which otherwise would have been covered under your Certificate will not be covered. WE ARE REQUIRED BY STATE LAW TO INCLUDE THE NOTICE(S) WHICH APPEAR ON THIS PAGE AND IN THE NOTICE(S) SECTION WHICH FOLLOWS THIS PAGE. PLEASE READ THE(SE) NOTICE(S) CAREFULLY.
NOTICE FOR RESIDENTS OF TEXAS GCERT-TX-NOTICE 2020 2 Have a complaint or need help? If you have a problem with a claim or your premium, call your insurance company or HMO first. If you can't work out the issue, the Texas Department of Insurance may be able to help. Even if you file a complaint with the Texas Department of Insurance, you should also file a complaint or appeal through your insurance company or HMO. If you don't, you may lose your right to appeal. Metropolitan Life Insurance Company To get information or file a complaint with your insurance company or HMO: Call: Corporate Consumer Relations Department at 1-800-438-6388 Toll-free: 1-800-438-6388 Email: [email protected] Mail: Metropolitan Life Insurance Company 700 Quaker Lane 2nd Floor Warwick, RI 02886 The Texas Department of Insurance To get help with an insurance question or file a complaint with the state: Call with a question: 1-800-252-3439 File a complaint: www.tdi.texas.gov Email: [email protected] Mail: MC 111-1A, P.O. Box 149091, Austin, TX 78714-9091 ¿Tiene una queja o necesita ayuda? Si tiene un problema con una reclamación o con su prima de seguro, llame primero a su compañía de seguros o HMO. Si no puede resolver el problema, es posible que el Departamento de Seguros de Texas (Texas Department of Insurance, por su nombre en inglés) pueda ayudar. Aun si usted presenta una queja ante el Departamento de Seguros de Texas, también debe presentar una queja a través del proceso de quejas o de apelaciones de su compañía de seguros o HMO. Si no lo hace, podría perder su derecho para apelar. Metropolitan Life Insurance Company Para obtener información o para presentar una queja ante su compañía de seguros o HMO: Llame a: Departamento de Relaciones Corporativas del Consumidor al 1-800-438-6388
GCERT-TX-NOTICE 2020 3 Teléfono gratuito: 1-800-438-6388 Correo electrónico: [email protected] Dirección postal: Metropolitan Life Insurance Company 700 Quaker Lane 2nd Floor Warwick, RI 02886 El Departamento de Seguros de Texas Para obtener ayuda con una pregunta relacionada con los seguros o para presentar una queja ante el estado: Llame con sus preguntas al: 1-800-252-3439 Presente una queja en: www.tdi.texas.gov Correo electrónico: [email protected] Dirección postal: MC 111-1A, P.O. Box 149091, Austin, TX 78714-9091
NOTICE FOR RESIDENTS OF TEXAS GCERT2000 4 notice/tx/abo LIFE INSURANCE: ACCELERATED BENEFIT OPTION (ABO) The laws of the state of Texas mandate that the terms “ Terminally Ill” and “Terminal Illness” when used in the LIFE INSURANCE: ACCELERATED BENEFIT OPTION (ABO) FOR YOU provisions mean that due to injury or sickness, You expected to die within 24 months of the date You request payment of an Accelerated Benefit.
NOTICE FOR RESIDENTS OF ALL STATES GCERT2000 5 notice/abo/nw LIFE INSURANCE BENEFITS WILL BE REDUCED IF AN ACCELERATED BENEFIT IS PAID DISCLOSURE : The Life Insurance accelerated benefit offered under this certificate is intended to qualify for favorable tax treatment under the Internal Revenue Code of 1986. If this benefit qualifies for such favorable tax treatment, the benefit will be excludable from Your income and not subject to federal taxation. Tax laws relating to accelerated benefits are complex. You are advised to consult with a qualified tax advisor about circumstances under which You could receive an accelerated benefit excludable from income under federal law. DISCLOSURE: Receipt of an accelerated benefit may affect Your, Your Spouse’s or Your family’s eligibility for public assistance programs such as Medical Assistance (Medicaid), Aid to Families with Dependent Children (AFDC), Supplementary Social Security Income (SSI), and drug assistance programs. You are advised to consult with a qualified tax advisor and with social service agencies concerning how receipt of such payment will affect Your, Your Spouse’s and Your family’s eligibility for public assistance.
NOTICE FOR RESIDENTS OF ARKANSAS GCERT2000 6 notice/ar If You have a question concerning Your coverage or a claim, first contact the Policyholder or group account administrator. If, after doing so, You still have a concern, You may call the toll free telephone number shown on the Certificate Face Page. Policyholders have the right to file a complaint with the Arkansas Insurance Department (AID). You may call AID to request a complaint form at (800) 852-5494 or (501) 371-2640 or write the Department at: Arkansas Insurance Department Consumer Services Division 1 Commerce Way, Suite 102 Little Rock, Arkansas 72202
NOTICE FOR RESIDENTS OF CALIFORNIA GCERT2000 7 notice/ca IMPORTANT NOTICE TO OBTAIN ADDITIONAL INFORMATION, OR TO MAKE A COMPLAINT, CONTACT THE POLICYHOLDER OR METLIFE AT: METROPOLITAN LIFE INSURANCE COMPANY ATTN: CONSUMER RELATIONS DEPARTMENT 500 SCHOOLHOUSE ROAD JOHNSTOWN, PA 15904 1-800-438-6388 IF, AFTER CONTACTING THE POLICYHOLDER AND/OR METLIFE, YOU FEEL THAT A SATISFACTORY SOLUTION HAS NOT BEEN REACHED, YOU MAY FILE A COMPLAINT WITH THE CALIFORNIA DEPARTMENT OF INSURANCE DEPARTMENT AT: DEPARTMENT OF INSURANCE CONSUMER SERVICES 300 SOUTH SPRING STREET LOS ANGELES, CA 90013 WEBSITE: http://www.insurance.ca.gov/ 1-800-927-4357 (within California) 1-213-897-8921 (outside California)
NOTICE FOR RESIDENTS OF CALIFORNIA GCERT2000 8 notice/ca If Your certificate includes an exclusion for the voluntary intake or use by any means of any drug, medication or sedative, unless it is taken or used as prescribed by a Physician (or a similar exclusion), We will adjudicate your claim as follows: We will exclude any Covered Loss as a consequence of being under the influence of any intoxicant or controlled substance unless administered on the advice of a Physician.
NOTICE FOR RESIDENTS OF GEORGIA GCERT2000 9 notice/ga IMPORTANT NOTICE The laws of the state of Georgia prohibit insurers from unfairly discriminating against any person based upon his or her status as a victim of family violence.
NOTICE FOR RESIDENTS OF IDAHO GCERT2000 10 notice/id If You have a question concerning Your coverage or a claim, first contact the Employer. If, after doing so, You still have a concern, You may call the toll free telephone number shown on the Certificate Face Page. If You are still concerned after contacting both the Employer and MetLife, You should feel free to contact: Idaho Department of Insurance Consumer Affairs 700 West State Street, 3 rd Floor PO Box 83720 Boise, Idaho 83720-0043 1-800-721-3272 or www.DOI.Idaho.gov
NOTICE FOR RESIDENTS OF ILLINOIS GCERT2000 11 notice/il IMPORTANT NOTICE To make a complaint to MetLife, You may write to: MetLife 200 Park Avenue New York, New York 10166 The address of the Illinois Department of Insurance is: Illinois Department of Insurance Public Services Division Springfield, Illinois 62767
NOTICE FOR RESIDENTS OF INDIANA GCERT2000 12 notice/in Questions regarding your policy or coverage should be directed to: Metropolitan Life Insurance Company 1-800-275-4638 If you (a) need the assistance of the government agency that regulates insurance; or (b) have a complaint you have been unable to resolve with your insurer you may contact the Department of Insurance by mail, telephone or email: State of Indiana Department of Insurance Consumer Services Division 311 West Washington Street, Suite 300 Indianapolis, Indiana 46204 Consumer Hotline: (800) 622-4461; (317) 232-2395 Complaint can be filed electronically at www.in.gov/idoi
NOTICE FOR RESIDENTS OF MISSOURI GCERT2000 13 notice/mo ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE EXCLUSIONS If You reside in Missouri the exclusion for “suicide or attempted suicide” is as follows: "suicide or attempted suicide while sane" LIFE INSURANCE GENERAL PROVISIONS If You reside in Missouri the suicide provision is as follows: Suicide If You commit suicide within 1 year from the date Life Insurance for You takes effect, We will not pay such insurance and Our liability will be limited as follows: · any premium paid by You will be returned to the Beneficiary. · any premium paid by the Policyholder will be returned to the Policyholder. If You commit suicide within 1 year from the date an increase in Your Life Insurance takes effect, We will pay to the Beneficiary the amount of Insurance in effect on the day before the increase. Any premium You paid for the increase will be returned to the Beneficiary. Any premium paid by the Policyholder for the increase will be returned to the Policyholder.
NOTICE FOR RESIDENTS OF NORTH DAKOTA GCERT2000 notice/nd 14 GENERAL PROVISIONS If You reside in North Dakota the suicide provision is as follows: Suicide If You commit suicide within 1 year from the date Life Insurance for You takes effect, We will not pay such insurance and Our liability will be limited as follows: · any premium paid by You will be returned to the Beneficiary. · any premium paid by the Policyholder will be returned to the Policyholder. If You commit suicide within 1 year from the date an increase in Your Life Insurance takes effect, We will pay to the Beneficiary the amount of Insurance in effect on the day before the increase. Any premium You paid for the increase will be returned to the Beneficiary. Any premium paid by the Policyholder for the increase will be returned to the Policyholder.
NOTICE FOR RESIDENTS OF NEW MEXICO GCERT2000 notice/nm-ccn 15 Consumer Complaint Notice If You are a resident of New Mexico, Your coverage will be administered in accordance with the minimum applicable standards of New Mexico law. If You have concerns regarding a claim, premium, or other matters relating to this coverage, You may file a complaint with the New Mexico Office of Superintendent of Insurance (OSI) using the complaint form available on the OSI website and found at: https://www.osi.state.nm.us/ConsumerAssistance/index.aspx .
NOTICE FOR RESIDENTS OF TEXAS GCERT2000 16 notice/tx/wc THE INSURANCE POLICY UNDER WHICH THIS CERTIFICATE IS ISSUED IS NOT A POLICY OF WORKERS’ COMPENSATION INSURANCE. YOU SHOULD CONSULT YOUR EMPLOYER TO DETERMINE WHETHER YOUR EMPLOYER IS A SUBSCRIBER TO THE WORKERS’ COMPENSATION SYSTEM.
NOTICE FOR RESIDENTS OF UTAH GTY-NOTICE-UT-0710 17 Notice of Protection Provided by Utah Life and Health Insurance Guaranty Association This notice provides a brief summary of the Utah Life and Health Insurance Guaranty Association (“the Association”) and the protection it provides for policyholders. This safety net was created under Utah law, which determines who and what is covered and the amounts of coverage. The Association was established to provide protection in the unlikely event that your life, health, or annuity insurance company becomes financially unable to meet its obligations and is taken over by its insurance regulatory agency. If this should happen, the Association will typically arrange to continue coverage and pay claims, in accordance with Utah law, with funding from assessments paid by other insurance companies. The basic protections provided by the Association are: · Life Insurance o $500,000 in death benefits o $200,000 in cash surrender or withdrawal values · Health Insurance o $500,000 in hospital, medical and surgical insurance benefits o $500,000 in long-term care insurance benefits o $500,000 in disability income insurance benefits o $500,000 in other types of health insurance benefits · Annuities o $250,000 in withdrawal and cash values The maximum amount of protection for each individual, regardless of the number of policies or contracts, is $500,000. Special rules may apply with regard to hospital, medical and surgical insurance benefits. Note: Certain policies and contracts may not be covered or fully covered. For example, coverage does not extend to any portion of a policy or contract that the insurer does not guarantee, such as certain investment additions to the account value of a variable life insurance policy or a variable annuity contract. Coverage is conditioned on residency in this state and there are substantial limitations and exclusions. For a complete description of coverage, consult Utah Code, Title 3 lA, Chapter 28. Insurance companies and agents are prohibited by Utah law to use the existence of the Association or its coverage to encourage you to purchase insurance. When selecting an insurance company, you should not rely on Association coverage. If there is any inconsistency between Utah law and this notice, Utah law will control. To learn more about the above protections, as well as protections relating to group contracts or retirement plans, please visit the Association's website at www.utlifega.org or contact: Utah Life and Health Insurance Guaranty Assoc. Utah Insurance Department 60 East South Temple, Suite 500 3110 State Office Building Salt Lake City UT 84111 Salt Lake City UT 84114-6901 (801) 320-9955 (801) 538-3800 A written complaint about misuse of this Notice or the improper use of the existence of the Association may be filed with the Utah Insurance Department at the above address. ce
NOTICE FOR RESIDENTS OF VIRGINIA GCERT2000 18 notice/va IMPORTANT INFORMATION REGARDING YOUR INSURANCE In the event You need to contact someone about this insurance for any reason please contact Your agent. If no agent was involved in the sale of this insurance, or if You have additional questions You may contact the insurance company issuing this insurance at the following address and telephone number: MetLife 200 Park Avenue New York, New York 10166 Attn: Corporate Consumer Relations Department To phone in a claim related question, You may call Claims Customer Service at: 1-800-275-4638 If You have been unable to contact or obtain satisfaction from the company or the agent, You may contact the Virginia State Corporation Commission’s Bureau of Insurance at: Bureau of Insurance Life and Health Division P.O. Box 1157 Richmond, VA 23218-1157 1-804-371-9691 - phone 1-877-310-6560 - toll-free 1-804-371-9944 – fax www.scc.virginia.gov - web address [email protected] - email Written correspondence is preferable so that a record of Your inquiry is maintained. When contacting Your agent, company or the Bureau of Insurance, have Your policy number available.
CIVIL UNION NOTICE FOR RESIDENTS OF VERMONT GCERT2000 notice/vt 19 Vermont law provides that the following definitions apply to your certificate: ● Terms that mean or refer to a marital relationship, or that may be construed to mean or refer to a marital relationship, such as "marriage," "spouse," "husband," "wife," "dependent," "next of kin," "relative," "beneficiary," "survivor," "immediate family" and any other such terms include the relationship created by a Civil Union established according to Vermont law. ● Terms that mean or refer to the inception or dissolution of a marriage, such as "date of marriage," "divorce decree," "termination of marriage" and any other such terms include the inception or dissolution of a Civil Union established according to Vermont law. ● Terms that mean or refer to family relationships arising from a marriage, such as "family," "immediate family," "dependent," "children," "next of kin," "relative," "beneficiary," "survivor" and any other such terms include family relationships created by a Civil Union established according to Vermont law. ● "Dependent" includes a spouse, a party to a Civil Union established according to Vermont law, and a child or children (natural, step-child, legally adopted or a minor or disabled child who is dependent on the insured for support and maintenance) who is born to or brought to a marriage or to a Civil Union established according to Vermont law. ● "Child" includes a child (natural, stepchild, legally adopted or a minor or disabled child who is dependent on the insured for support and maintenance) who is born to or brought to a marriage or to a Civil Union established according to Vermont law. ● “Civil Union” means a civil union established pursuant to Act 91 of the 2000 Vermont Legislative Session, entitled “Act Relating to Civil Unions”. All references in this notice to Civil Unions are limited to Civil Unions in which the parties are residents of Vermont. If dependent insurance for a spouse and/or child is not provided under your certificate, such insurance is not added by virtue of this notice. For purposes of dependent insurance, any person who meets the definition of “dependent” as set forth in this notice is required to meet all other applicable requirements in order to qualify for such insurance. This notice does not limit any definitions or terms included in your certificate. It broadens definitions and terms only to the extent required by Vermont law. DISCLOSURE: Vermont law grants parties to a Civil Union the same benefits, protections and responsibilities that flow from marriage under state law. However, some or all of the benefits, protections and responsibilities related to life and health insurance that are available to married persons under federal law may not be available to parties to a Civil Union. For example, a federal law, the Employee Retirement Income Security Act of 1974 known as “ERISA”, controls the employer/employee relationship with regard to determining eligibility for enrollment in private employer benefit plans. Because of ERISA, Act 91 does not state requirements pertaining to a private employer’s enrollment of a party to a Civil Union in an ERISA employee benefit plan. However, governmental employers (not federal government) are required to provide life and health benefits to the dependents of a party to a Civil Union if the public employer provides such benefits to dependents of married persons. Federal law also controls group health insurance continuation rights under “COBRA” for employers with 20 or more employees as well as the Internal Revenue Code treatment of insurance premiums. As a result, parties to a Civil Union and their families may or may not have access to certain benefits under this notice and the certificate to which it is attached that derive from federal law. You are advised to seek expert advice to determine your rights under this notice and the certificate to which it is attached.
NOTICE FOR RESIDENTS OF THE STATE OF WASHINGTON GCERT2000 20 notice/wa Washington law provides that the following apply to Your certificate: Wherever the term " Spouse " appears in this certificate it shall, unless otherwise specified, be read to include Your Domestic Partner. Domestic Partner means each of two people, one of whom is an Employee of the Employer, who have registered as each other’s domestic partner, civil union partner or reciprocal beneficiary with a government agency where such registration is available. Wherever the term "step-child" appears in this certificate it shall be read to include the children of Your Domestic Partner.
NOTICE FOR RESIDENTS OF WASHINGTON GCERT2000 notice/wa1 21 LIFE INSURANCE GENERAL PROVISIONS The suicide provision is not applicable to residents of Washington.
GCERT2000 notice/wa 22 NOTICE FOR RESIDENTS OF WASHINGTON This non-insurance benefit does not constitute an insurance funded prearrangement contract, pursuant to RCW 18.39.255. Employees who become insured for MetLife non-contributory Basic Life Insurance under the Group Policy are eligible to receive discounts of up to 10% off the service provider’s standard price for certain funeral services including funeral, cremation and cemetery products and services provided by a third party national network of funeral and funeral planning providers while such insurance remains in effect. Employees who become insured for MetLife non-contributory Basic Life Insurance will also have access to funeral planning resources including funeral planning tools and concierge services provided by the same national network of providers. MetLife has arranged for these services and discounts to be provided to Employees and their spouses for no additional premium. MetLife is not responsible for providing or failing to provide these services nor is it liable for any negligence in the provision of such services by the third party service provider. The discounts and planning services are not available in all jurisdictions and are subject to regulatory approval.
NOTICE FOR RESIDENTS OF WISCONSIN GCERT2000 notice/wi 23 KEEP THIS NOTICE WITH YOUR INSURANCE PAPERS PROBLEMS WITH YOUR INSURANCE? - If you are having problems with your insurance company or agent, do not hesitate to contact the insurance company or agent to resolve your problem. MetLife Attn: Corporate Consumer Relations Department 200 Park Avenue New York, NY 10166-0188 1-800-638-5433 You can also contact the OFFICE OF THE COMMISSIONER OF INSURANCE , a state agency which enforces Wisconsin’s insurance laws, and file a complaint. You can contact the OFFICE OF THE COMMISSIONER OF INSURANCE by contacting: Office of the Commissioner of Insurance Complaints Department P.O. Box 7873 Madison, WI 53707-7873 1-800-236-8517 outside of Madison or 608-266-0103 in Madison.
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
SCHEDULE OF BENEFITS GCERT2000 25 sch This schedule shows the benefits that are available under the Group Policy. You will only be insured for the benefits: ● for which You become and remain eligible, and ● which You elect, if subject to election; and ● which are in effect. BENEFIT BENEFIT AMOUNT AND HIGHLIGHTS Life Insurance For You Basic Life Insurance Basic Life Insurance for You is Portability Eligible Insurance For All Active Full-Time Employees .......................................... An amount equal to 1 times Your Basic Annual Earnings, rounded to the next higher $1,000 . Minimum Basic Life Benefit ...................................................... $10,000 Maximum Life Benefit ............................................................... $100,000 Non-Medical Issue Amount ...................................................... $100,000 Accelerated Benefit Option ....................................................... Up to 80% of Your Basic Life amount not to exceed $500,000. If You Are Age 70 Or Older If You are age 70 or older on Your effective date of insurance, the appropriate percentage from the following table will be applied to the amount of Your Basic Life Insurance on Your effective date of insurance, adjusted for any later changes in Your salary. If You are under age 70 on Your effective date of insurance, the amounts of Your Basic Life Insurance on and after age 70 will be determined by applying the appropriate percentage from the following table to the amount of Your insurance in effect on the day before Your 70 th birthday, adjusted for any later changes in Your salary. Age of Employee Percentage 70 or older 67% Accidental Death and Dismemberment Insurance (AD&D) for You Basic Accidental Death and Dismemberment Insurance for You is Portability Eligible Insurance Full Amount for AD&D For All Active Full-Time Employees .......................................... An amount equal to Your Life Insurance
SCHEDULE OF BENEFITS (continued) GCERT2000 26 sch If You Are Age 70 Or Older If You are age 70 or older on Your effective date of insurance, the appropriate percentage from the following table will be applied to the amount of Your Accidental Death and Dismemberment Insurance on Your effective date of insurance, adjusted for any later changes in Your salary. If You are under age 70 on Your effective date of insurance, the amounts of Your Accidental Death and Dismemberment Insurance on and after age 70 will be determined by applying the appropriate percentage from the following table to the amount of Your insurance in effect on the day before Your 70 th birthday, adjusted for any later changes in Your salary. Age of Employee Percentage 70 or older 67% For All Active Full-Time Employees Additional Benefits: Air Bag Benefit.............................................................. Yes Seat Belt Benefit............................................................ Yes Child Care Benefit ................................................................... Yes Common Carrier Benefit ........................................................... Yes, an amount equal to the Basic AD&D Full Amount Schedule of Covered Losses for Accidental Death and Dismemberment Insurance All amounts listed are stated as percentages of the Full Amount. Covered Losses Loss of life................................................................... 100% Loss of an arm permanently severed at or above the elbow... 75% Loss of a leg permanently severed at or above the knee....... 75% Loss of a hand permanently severed at or above the wrist but below the elbow............................................................ 50% Loss of a foot permanently severed at or above the ankle but below the knee............................................................. 50% Loss of sight in one eye.................................................. 50% Loss of sight means permanent and uncorrectable loss of sight in the eye. Visual acuity must be 20/200 or worse in the eye or the field of vision must be less than 20 degrees. Loss of any combination of hand, foot, or sight of one eye, as defined above............................................................... 100% Loss of the thumb and index finger of same hand................. 25% Loss of thumb and index finger of same hand means that the thumb and index finger are permanently severed through or above the third joint from the tip of the index finger and the second joint from the tip of the thumb. Loss of speech and loss of hearing................................... 100%
SCHEDULE OF BENEFITS (continued) GCERT2000 27 sch Loss of speech or loss of hearing..................................... 50% Loss of speech means the entire and irrecoverable loss of speech that continues for 6 consecutive months following the accidental injury. Loss of hearing means the entire and irrecoverable loss of hearing in both ears that continues for 6 consecutive months following the accidental injury. Paralysis of both arms and both legs................................. 100% Paralysis of both legs..................................................... 50% Paralysis of the arm and leg on either side of the body........................................................................... 50% Paralysis of one arm or leg.............................................. 25% Paralysis means loss of use of a limb, without severance. A Physician must determine the paralysis to be permanent, complete and irreversible. Brain Damage............................................................... 100% Brain Damage means permanent and irreversible physical damage to the brain causing the complete inability to perform all the substantial and material functions and activities normal to everyday life. Such damage must manifest itself within 30 days of the accidental injury, require a hospitalization of at least 5 days and persists for 12 consecutive months after the date of the accidental injury. Coma........................................................................... 1% monthly, beginning on the 7 th day of the Coma and for the duration of the Coma to a maximum of 60 months Coma means a state of deep and total unconsciousness from which the comatose person cannot be aroused. Such state must begin within 30 days of the accidental injury and continue for 7 consecutive days. Portability Eligible Life and AD&D Insurance Life and AD&D Insurance For You: Portability Eligible Life Insurance For You: Basic Life Insurance: Minimum Portability Eligible Life Insurance Amount.................. $10,000 Maximum Portability Eligible Life Insurance Amount................. The lesser of Your total Life Insurance in effect on the date You elect to Port or $2,000,000. Portability Eligible Accidental Death and Dismemberment Insurance For You: Basic Accidental Death and Dismemberment Insurance: Minimum Portability Eligible AD&D Insurance Amount............... $10,000 Maximum Portability Eligible AD&D Insurance Amount.............. The lesser of Your total AD&D Insurance in effect on the date You elect to Port or
SCHEDULE OF BENEFITS (continued) GCERT2000 28 sch $2,000,000. If Your Portability Eligible Insurance ends due to the end of the Group Policy or the amendment of the Group Policy to end the Portability Eligible Insurance for an eligible class of which You are a member, the maximum amount of insurance that You may Port is the lesser of: ● the amount of Your Portability Eligible Insurance that ends under the Group Policy less the amount of Life and AD&D insurance for which You become eligible under any group policy issued to replace this Group Policy; or ● $10,000.
DEFINITIONS GCERT2000 29 def As used in this certificate, the terms listed below will have the meanings set forth below. When defined terms are used in this certificate, they will appear with initial capitalization. The plural use of a term defined in the singular will share the same meaning. Actively at Work or Active Work means that You are performing all of the usual and customary duties of Your job on a Full-Time basis. This must be done at: ● the Employer’s place of business; ● an alternate place approved by the Employer; or ● a location to which the Employer’s business requires You to travel. You will be deemed to be Actively at Work during weekends or -approved vacations, holidays or business closures if You were Actively at Work on the last scheduled work day preceding such time off. Basic Annual Earnings means Your gross annual rate of pay as determined by Your Employer, excluding overtime and other extra pay. Beneficiary means the person(s) to whom We will pay insurance as determined in accordance with the General Provisions section. Common Carrier means a government regulated entity that is in the business of transporting fare paying passengers. The term does not include: ● chartered or other privately arranged transportation; ● taxis; or ● limousines. Contributory Insurance means insurance for which the Employer requires You to pay any part of the premium. Full-Time means Active Work on the ’s regular work schedule for the class of employees to which You belong. The work schedule must be at least 20 hours a week. Full-Time does not include temporary or seasonal employees. Noncontributory Insurance means insurance for which the Employer does not require You to pay any part of the premium . Physician means: ● a person licensed to practice medicine in the jurisdiction where such services are performed; or ● any other person whose services, according to applicable law, must be treated as Physician's services for purposes of the Group Policy. Each such person must be licensed in the jurisdiction where the service is performed and must act within the scope of that license. Such person must also be certified and/or registered if required by such jurisdiction. The term does not include : ● You; ● Your Spouse; or ● any member of Your immediate family including Your and/or Your spouse’s parents; children (natural, step or adopted); siblings; grandparents; or grandchildren.
DEFINITIONS (continued) GCERT2000 30 def Proof means Written evidence satisfactory to Us that a person has satisfied the conditions and requirements for any benefit described in this certificate. When a claim is made for any benefit described in this certificate, Proof must establish: · the nature and extent of the loss or condition; · Our obligation to pay the claim; and · the claimant’s right to receive payment. Proof must be provided at the claimant’s expense. Sickness means illness, disease or pregnancy, including complications of pregnancy. Signed means any symbol or method executed or adopted by a person with the present intention to authenticate a record, which is on or transmitted by paper or electronic media which is acceptable to Us and consistent with applicable law. Spouse means Your lawful Spouse. The term does not include any person who: ● is on active duty in the military of any country or international authority; however, active duty for this purpose does not include weekend or summer training for the reserve forces of the United States, including the National Guard; or ● is insured under the Group Policy as an employee. We , Us and Our mean MetLife. Written or Writing means a record which is on or transmitted by paper or electronic media which is acceptable to Us and consistent with applicable law. You and Your mean an employee who is insured under the Group Policy for the insurance described in this certificate.
ELIGIBILITY PROVISIONS: INSURANCE FOR YOU GCERT2000 31 e/ee ELIGIBLE CLASS(ES) All Active Full-Time Employees DATE YOU ARE ELIGIBLE FOR INSURANCE You may only become eligible for the insurance available for Your class as shown in the SCHEDULE OF BENEFITS . All Active Full-Time Employees Basic Life Insurance If You are in an eligible class on June 01, 2023, You will be eligible for insurance on that date. If You enter an eligible class after June 01, 2023, You will be eligible for insurance on the date You enter that class. Basic Accidental Death and Dismemberment Insurance If You are in an eligible class on June 01, 2023, You will be eligible for insurance on that date. If You enter an eligible class after June 01, 2023, You will be eligible for insurance on the date You enter that class. Waiting Period means the period of continuous membership in an eligible class that You must wait before You become eligible for insurance. This period begins on the date You enter an eligible class and ends on the date You complete the period(s) specified. ENROLLMENT PROCESS If You are eligible for insurance, You may enroll for such insurance by completing the required form. In addition, You must give evidence of Your insurability satisfactory to Us at Your expense if You are required to do so under the section entitled EVIDENCE OF INSURABILITY. If you enroll for Contributory Insurance, You must also give the Employer written permission to deduct premiums from Your pay for such insurance. You will be notified by the Employer how much You will be required to contribute. If Your Employer establishes an annual enrollment period for Life Insurance, You may enroll for Life Insurance only when You are first eligible or during an annual enrollment period or If You have a Qualifying Event. You should contact the Employer for more information regarding the annual enrollment period. DATE YOUR INSURANCE TAKES EFFECT Rules for Noncontributory Insurance When You complete the enrollment process for Noncontributory Insurance, such insurance will take effect as follows: ● if You are not required to give evidence of Your insurability, such insurance will take effect on the date You become eligible, provided You are Actively at Work on that date; or ● if You are required to give evidence of Your insurability and We determine that You are insurable, such insurance will take effect on the date We state in Writing, provided You are Actively at Work on that date. Basic Accidental Death and Dismemberment Insurance does not require evidence of Your insurability but such insurance will not take effect until the day Your Basic Life Insurance takes effect.
ELIGIBILITY PROVISIONS: INSURANCE FOR YOU (continued) GCERT2000 32 e/ee If You are not Actively at Work on the date the Noncontributory Insurance benefit would otherwise take effect, the insurance will take effect on the day You resume Active Work. Rules for Contributory Insurance If You request Contributory Insurance before the date You become eligible for such insurance, such insurance will take effect as follows: ● if You are not required to give evidence of Your insurability, such insurance will take effect on the date You become eligible, provided You are Actively at Work on that date. Basic Accidental Death and Dismemberment Insurance does not require evidence of Your insurability but such insurance will not take effect until the day Your Basic Life Insurance takes effect. ● if You are required to give evidence of Your insurability and We determine that You are insurable, such insurance will take effect on the date We state in Writing, provided You are Actively at Work on that date. Basic Accidental Death and Dismemberment Insurance does not require evidence of Your insurability but such insurance will not take effect until the day Your Basic Life Insurance takes effect. If You request Contributory Insurance within 12 months of the date You become eligible for such insurance, or during the Employer’s next annual enrollment period, whichever occurs first , such insurance will take effect as follows: ● if You are not required to give evidence of Your insurability, such insurance will take effect on the later of: ● the date You become eligible for such insurance; and ● the date You enroll provided You are Actively at Work on that date. Basic Accidental Death and Dismemberment Insurance does not require evidence of Your insurability but such insurance will not take effect until the day Your Basic Life Insurance takes effect. ● if You are required to give evidence of Your insurability and We determine that You are insurable, such insurance will take effect on the date We state in Writing, provided You are Actively at Work on that date. Basic Accidental Death and Dismemberment Insurance does not require evidence of Your insurability but such insurance will not take effect until the day Your Basic Life Insurance takes effect. ● If You request Contributory Insurance more than 12 months after the date You become eligible for such insurance or after the first annual enrollment period for which You may enroll, whichever occurs first , You must give such evidence at Your expense. If We determine that You are insurable, such insurance will take effect on the date We state in Writing, if You are Actively at Work on that date. Basic Accidental Death and Dismemberment Insurance does not require evidence of Your insurability but such insurance will not take effect until the day Your Basic Life Insurance takes effect. If You are not Actively at Work on the date insurance would otherwise take effect, insurance will take effect on the day You resume Active Work. See the DEFINITIONS section of this certificate for a complete list of Contributory Insurance benefits. Increase in Insurance An increase in insurance due to a change in class of employee, an increase in Your earnings, or a requested increase in insurance will take effect as follows: ● if You are required to give evidence of insurability for the entire increase and We approve Your evidence of insurability, the increase will take effect on the date We state in Writing. If We do not approve Your evidence of insurability, or You do not submit evidence of insurability, the increase in insurance will not take effect. ● if You are required to give evidence of insurability for a portion of the increase: ● the portion of the increase that is not subject to evidence of insurability will take effect on the date of Your request or the date of the increase in Your earnings. Basic Accidental Death and
ELIGIBILITY PROVISIONS: INSURANCE FOR YOU (continued) GCERT2000 33 e/ee Dismemberment Insurance does not require evidence of Your insurability but such insurance will not take effect until the day Your Life Insurance takes effect. ● if We approve Your evidence of insurability, the portion of the increase that is subject to evidence of insurability will take effect on the date We state in Writing. If We do not approve Your evidence of insurability or You do not submit evidence of insurability, the increase in insurance will not take effect. ● if You are not required to give evidence of insurability, the increase will take effect on the date of Your request or the date of the increase in Your earnings. Basic Accidental Death and Dismemberment Insurance does not require evidence of Your insurability but such insurance will not take effect until the day Your Life Insurance takes effect. You must be Actively at Work on that date. If You are not Actively at Work on the date the increase would otherwise take effect, the increase will take effect on the day You resume Active Work. Decrease in Insurance A decrease in insurance due to a change in class of employee or a decrease in Your earnings will take effect on the date of change. If You make a Written application to decrease Your insurance, that decrease will take effect as of the date of Your application. Enrollment Due to a Qualifying Event You may enroll for insurance for which You are eligible or change the amount of Your insurance between annual enrollment periods only if You have a Qualifying Event. If You have a Qualifying Event, You will have 12 months from the date of that change or the Employer’s next annual enrollment period following the date of that change to make a request, whichever occurs first . This request must be consistent with the nature of the Qualifying Event. The insurance enrolled for or changes to Your insurance made as a result of a Qualifying Event will take effect on the day after the date of Your request, if You are Actively at Work on that date. If You are not Actively at Work on the date insurance would otherwise take effect, insurance will take effect on the day You resume Active Work. Qualifying Event includes: Ÿ marriage; or Ÿ the birth, adoption or placement for adoption of a dependent child; or Ÿ divorce, legal separation or annulment; or Ÿ the death of a dependent; or Ÿ You previously did not enroll for life coverage for You or Your dependent because You had other group coverage, but that coverage has ceased due to loss of eligibility for the other group coverage; or Ÿ Your dependent's ceasing to qualify as a dependent under this insurance or under other group coverage. DATE YOUR INSURANCE ENDS Your insurance will end on the earliest of: 1. the date the Group Policy ends; 2 . the date insurance ends for Your class; 3 . the end of the period for which the last premium has been paid for You; or 4. for Basic Life Insurance, the date in which Your employment ends; Your employment will end if You cease to be Actively at Work in any eligible class, except as stated in the section entitled
ELIGIBILITY PROVISIONS: INSURANCE FOR YOU (continued) GCERT2000 34 e/ee CONTINUATION OF INSURANCE WITH PREMIUM PAYMENT; or 5. for Basic Life Insurance, the date in which You retire in accordance with the Employer’s retirement plan. 6. for Basic Accidental Death and Dismemberment Insurance, the date in which Your employment ends; Your employment will end if You cease to be Actively at Work in any eligible class, except as stated in the section entitled CONTINUATION OF INSURANCE WITH PREMIUM PAYMENT; or 7. for Basic Accidental Death and Dismemberment Insurance, the date in which You retire in accordance with the Employer’s retirement plan. Please refer to the section entitled ELIGIBILITY FOR CONTINUATION OF CERTAIN INSURANCE WHILE YOU ARE TOTALLY DISABLED for information concerning continuation of Your Life and Accidental Death and Dismemberment Insurance if insurance ends while You are Totally Disabled. Please refer to the section entitled LIFE INSURANCE: CONVERSION OPTION FOR YOU for information concerning the option to convert to an individual policy of life insurance if Your Life Insurance ends.
SPECIAL RULES FOR GROUPS PREVIOUSLY COVERED UNDER OTHER GROUP LIFE AND AD&D INSURANCE GCERT2000 35 tog/life The following rules will apply if the Life and AD&D Insurance under this Group Policy replaces other group Life and AD&D insurance provided to You by the Employer. Prior Plan means the group life and AD&D insurance underwritten by another insurer and provided to You by the Employer on the day before the Replacement Date. Replacement Date means the effective date of the Life and AD&D Insurance under this Group Policy. Rules if You were Covered Under the Prior Plan on the Day Before the Replacement Date: 1. Actively at Work on the Replacement Date - If You were covered under the Prior Plan on the day before the Replacement Date and You are Actively at Work in an eligible class on the Replacement Date, You will be insured under this Group Policy for an amount of Life and AD&D Insurance referred to as Active Employee Coverage. The amount of the Active Employee Coverage on the Replacement Date will be the amount of Life Insurance described in the SCHEDULE OF BENEFITS. 2. Not Actively at Work on the Replacement Date - If You were covered under the Prior Plan on the day before the Replacement Date and You are not Actively at Work on the Replacement Date, but You would otherwise be a member of an eligible class if You were Actively at Work on the Replacement Date, You will be insured under this Group Policy for an amount of Life and AD&D Insurance referred to as Transition Coverage. T he amount of the Transition Coverage on the Replacement Date will be the lesser of: ● the amount of group life and AD&D insurance in effect under the Prior Plan, and ● the amount of Life and AD&D Insurance available under this Group Policy for the eligible class to which You belong. While Transition Coverage is in effect, the amount of coverage will continue to be determined in accordance with the provisions of the plan used to determine the amount of Transition Coverage on the Replacement Date. If You are not Actively at Work on the Replacement Date due to a disability, Transition Coverage will remain in effect on and after the Replacement Date until the earliest of: ● the date You return to Active Work as a member of an eligible class, at which time Active Employee Coverage will supersede the Transition Coverage; ● the date Life and AD&D Insurance would otherwise end in accordance with the terms and conditions of this certificate; ● the date on which Your life and AD&D insurance under the Prior Plan would have ended for any reason other than the Prior Plan ending; ● the date You are approved for extension of life and AD&D insurance without premium payment under the terms of Prior Plan; and ● if the Prior Plan provided for extension of life and AD&D insurance without premium payment during a period of disability, the last day of the 12-month period following the Replacement Date.
SPECIAL RULES FOR GROUPS PREVIOUSLY COVERED UNDER OTHER GROUP LIFE AND AD&D INSURANCE (continued) GCERT2000 36 tog/life In any other case where You are not Actively at Work on the Replacement Date, Transition Coverage will remain in effect on and after the Replacement Date until the earliest of: ● the date You return to Active Work as a member of an eligible class, at which time Active Employee Coverage will supersede the Transition Coverage; and ● the date Life and AD&D Insurance would otherwise end in accordance with the terms and conditions of this certificate. Rules if You were NOT Covered Under the Prior Plan on the Day Before the Replacement Date: 1. You will be eligible for the Life and AD&D Insurance under this Group Policy when You meet the eligibility requirements for such insurance as described in ELIGIBILITY PROVISIONS: INSURANCE FOR YOU; and 2. We will credit any time accumulated toward any eligibility waiting period under the Prior Plan to the satisfaction of any eligibility Waiting Period required to be met under this Life and AD&D Insurance.
CONTINUATION OF INSURANCE WITH PREMIUM PAYMENT GCERT2000 37 coi-np FOR FAMILY AND MEDICAL LEAVE Certain leaves of absence may qualify for continuation of insurance under the Family and Medical Leave Act of 1993 (FMLA), or other legally mandated leave of absence or similar laws. Please contact the Employer for information regarding such legally mandated leave of absence laws. AT YOUR OPTION: PORTABILITY For Basic Life and Basic Accidental Death and Dismemberment Insurance If Your Portability Eligible Insurance ends for any of the reasons stated below, You have the option to continue that insurance under another group policy in accordance with the conditions and requirements of this section. This is referred to as Porting. Evidence of Your insurability will not be required. For purposes of this subsection the term “Portability Eligible Insurance” refers to Your Basic Life and Basic Accidental Death and Dismemberment benefits for which the Portability Eligible Insurance is shown as available in the SCHEDULE OF BENEFITS. When Porting is an Option Porting may only be exercised by a request in Writing during the Request Period specified below. If You choose not to Port, Life Insurance benefits may be converted in accordance with the section entitled LIFE INSURANCE: CONVERSION OPTION FOR YOU. 1 . You may choose to Port if Portability Eligible Insurance ends while You are Actively at Work or on an approved leave of absence because: · You retired from active service with the Employer; or · Your employment ends, due to a reason other than retirement; or · You cease to be in a class that is eligible for such insurance; or · The Policy is amended to end the Portability Eligible Insurance, unless such insurance is replaced by similar insurance under another group insurance policy issued to the Policyholder or its successor; or · This Policy has ended, unless such insurance is replaced by similar insurance under another group insurance policy issued to the Policyholder or its successor. 2 . You may choose to Port the reduced amount of insurance if Your Portability Eligible Insurance is reduced due to: · Your age; or · An amendment to the Plan which affects the amount of insurance for Your class. · the person making the request resides in a jurisdiction that permits this Portability feature. Request Period For You to Port, We must receive a completed request form within the Request Period as described below. If written notice of the option to Port is given within 15 days before or after the date such insurance ends, the Request Period: · begins on the date the insurance ends, and · expires 31 days after the date. If written notice of the option to Port is given more than 15 days after but within 90 days of the date such insurance ends, the Request Period: · begins on the date the insurance ends, and · expires 45 days after the date of the notice.
CONTINUATION OF INSURANCE WITH PREMIUM PAYMENT (continued) GCERT2000 38 coi-np If written notice of the option to Port is not given within 91 days of the date such insurance ends, the Request Period: · begins on the date the insurance ends, and · expires at the end of such 91 day period. Amount of the New Certificate The amount of Ported Insurance for You that may be continued is shown in the SCHEDULE OF BENEFITS. However, at the time of Porting You may change the amount of Portability Eligible Insurance in the following circumstances: Your Increase in Amount For Portability Eligible Life Insurance At the time of Porting, You may increase the amount of Your Portability Eligible Life Insurance. This may be done in increments of $25,000, up to a maximum ported amount of $2,000,000. To be eligible for this increased amount, You must provide evidence of Your insurability satisfactory to us, at Your expense. If We approve the increase, it will take effect on the date We state in Writing. For Portability Eligible Accidental Death and Dismemberment Insurance At the time of Porting, You may increase the amount of Your Portability Eligible Accidental Death and Dismemberment Insurance. This may be done in increments of $25,000, up to a maximum ported amount of $2,000,000. This increase will take effect on the date We state in Writing. Your Decrease in Amount If We receive a request to decrease an amount of insurance, any such decrease will take place on the date We state in Writing. Premiums for the New Certificate All premium payments must be made directly to Us. When We issue the new certificate, We will also provide a schedule of premiums and payment instructions. You are not required to provide evidence of insurability to Port Your existing amount of Portability Eligible Basic Life and Basic Accidental Death and Dismemberment. However, to qualify for a lower premium rate, You may give us, at Your expense, evidence of Your insurability satisfactory to Us. If We determine that the evidence satisfies Us, We will notify You that the lower premium rates will apply to You. Right to Convert Life Insurance Amounts Not Ported Any amount of Life Insurance not Ported under this subsection may be converted under the section entitled LIFE INSURANCE: CONVERSION OPTION FOR YOU. If You Die Within 31 Days of the Date Portability Eligible Life Insurance Ends If You die within 31 days of the date Portability Eligible Life Insurance ends and an application to Port is not received by Us during such period, We will determine whether Your life insurance qualifies for payment. This determination will be made in accordance with the section entitled LIFE INSURANCE: CONVERSION OPTION FOR YOU.
CONTINUATION OF INSURANCE WITH PREMIUM PAYMENT (continued) GCERT2000 39 coi-np If You are Totally Disabled on the Date Your Employment Ends. If You are Totally Disabled on the date Your employment ends and You elect to continue Portability Eligible Insurance as provided in this subsection, You may at a later date become approved for continuation of insurance under the section entitled ELIGIBILITY FOR CONTINUATION OF CERTAIN INSURANCE WHILE YOU ARE TOTALLY DISABLED . If You are so approved, all insurance continued under this subsection or any new certificate provided under this subsection will end and We will return any premium paid by You for such insurance. AT THE EMPLOYER’S OPTION The Employer has elected to continue insurance by paying premiums for employees who cease Active Work in an eligible class for any of the reasons specified below. You will be notified by the Employer how much You will be required to contribute. Insurance will continue for the following periods: 1. for the period You cease Active Work in an eligible class due to injury or Sickness, up to 9 months; 2. for the period You cease Active Work in an eligible class due to part-time work, layoff or strike, up to 2 months; 3. for the period You cease Active Work in an eligible class due to any other Employer approved leave of absence, up to 2 months. 4. for the period You cease Active Work in an eligible class due to any Employer approved leave of absence because of a call-up to active military service, up to 24 months. At the end of any of the continuation periods listed above, Your insurance will be affected as follows: ● if You resume Active Work in an eligible class at this time, You will continue to be insured under the Group Policy; ● if You do not resume Active Work in an eligible class at this time, Your employment will be considered to end and Your insurance will end in accordance with the DATE YOUR INSURANCE ENDS subsection of the section entitled ELIGIBILITY PROVISIONS: INSURANCE FOR YOU. Option to Convert In addition to the Continuation of Insurance options described above, You may have the right to convert to a policy of individual life insurance. We urge You to read the section entitled LIFE INSURANCE: CONVERSION OPTION FOR YOU. CONTINUATION OF ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D) Special Rules For Massachusetts Residents 1. If Your AD&D Insurance ends due to a Plant Closing or Covered Partial Closing, such insurance will be continued for 90 days after the date it ends. 2. If Your AD&D Insurance ends because: · You cease to be in an Eligible Class; or · Your employment terminates for any reason other than a Plant Closing or Covered Partial Closing, such insurance will continue for 31 days after the date it ends. Continuation of Your AD&D Insurance under this subsection will end before the end of continuation periods shown above if You become covered for similar benefits under another plan.
CONTINUATION OF INSURANCE WITH PREMIUM PAYMENT (continued) GCERT2000 40 coi-np Plant Closing and Covered Partial Closing have the meaning set forth in Massachusetts Annotated Laws, Chapter 151A, Section 71A.
EVIDENCE OF INSURABILITY GCERT2000 41 eoi We require evidence of insurability satisfactory to Us as follows: 1. In order to receive an increase in the amount of Life Insurance of $50,000 or more due to an increase in Your Basic Annual Earnings. If You do not give Us evidence of insurability or the evidence of insurability is not accepted by Us as satisfactory, Your Life Insurance will not be increased. 2 . In the case of transferred business, if You did not elect coverage under the prior plan for which You were eligible. If You do not give Us evidence of insurability or the evidence of insurability is not accepted by Us as satisfactory, You will not be covered for Life Insurance. The evidence of insurability is to be given at Your expense.
LIFE INSURANCE: FOR YOU GCERT2000 42 l/ee If You die, Proof of Your death must be sent to Us. When We receive such Proof with the claim, We will review the claim and if We approve it, will pay the Beneficiary the Life Insurance in effect on the date of Your death. PAYMENT OPTIONS We will pay the Life Insurance in one sum. Other modes of payment may be available upon request. For details, call Our toll free number shown on the Certificate Face Page.
LIFE INSURANCE: ACCELERATED BENEFIT OPTION (ABO) FOR YOU GCERT2000 abo/ee 10/04 43 For purposes of this section, the term “ABO Eligible Life Insurance” refers to each of Your Life Insurance benefits for which the Accelerated Benefit Option is shown as available in the Schedule of Benefits. If You become Terminally Ill, You or Your legal representative have the option to request Us to pay ABO Eligible Life Insurance before Your death. This is called an accelerated benefit. The request must be made while ABO Eligible Life Insurance is in effect. Terminally Ill or Terminal Illness means that due to injury or sickness, You are expected to die within 12 months. Requirements For Payment of an Accelerated Benefit Subject to the conditions and requirements of this section, We will pay an accelerated benefit to You or Your legal representative if: ● the amount of each ABO Eligible Life Insurance benefit to be accelerated equals or exceeds $20,000; and ● the ABO Eligible Life Insurance to be accelerated has not been assigned; and ● We have received Proof that You are Terminally Ill. We will only pay an accelerated benefit for each ABO Eligible Life Insurance benefit once. Proof of Your Terminal Illness We will require the following Proof of Your Terminal Illness: ● a completed accelerated benefit claim form; ● a signed Physician’s certification that You are Terminally Ill; and ● an examination by a Physician of Our choice, at Our expense, if We request it. You or Your legal representative should contact the Employer to obtain a claim form and information regarding the accelerated benefit. Upon Our receipt of Your request to accelerate benefits, We will send You a letter with information about the accelerated benefit payment You requested. Our letter will describe the amount of the accelerated benefits We will pay and the amount of Life Insurance remaining after the accelerated benefit is paid. Accelerated Benefit Amount We will pay an accelerated benefit up to the percentage shown in the SCHEDULE OF BENEFITS for each ABO Eligible Life Insurance benefit in effect for You, subject to the following: Maximum accelerated benefit amount. The maximum amount We will pay for each ABO Eligible Life Insurance benefit is shown in the SCHEDULE OF BENEFITS . Scheduled reduction of an ABO Eligible Life Insurance Benefit. If an ABO Eligible Life Insurance benefit is scheduled to reduce within the 12 month period after the date You or Your legal representative request an accelerated benefit, We will calculate the accelerated benefit using the amount of such ABO Eligible Life Insurance that will be in effect immediately after the reduction(s) scheduled for such period. Scheduled end of ABO Eligible Life Insurance Benefit. If an ABO Eligible Life Insurance benefit is scheduled to end within 12 months after the date You or Your legal representative request an accelerated benefit, We will not pay an accelerated benefit for such ABO Eligible Life Insurance benefit. Previous conversion of an ABO Eligible Life Insurance Benefit. We will not pay an accelerated benefit for any amount of ABO Eligible Life Insurance which You previously converted under the section entitled LIFE INSURANCE: CONVERSION OPTION FOR YOU . We will pay the accelerated benefit in one sum unless You or Your legal representative select another payment mode.
LIFE INSURANCE: ACCELERATED BENEFIT OPTION (ABO) FOR YOU (continued) GCERT2000 abo/ee 10/04 44 Effect of Payment of an Accelerated Benefit On premium for Your Life Insurance. After We pay the accelerated benefit, any premium You are required to pay will be based upon the amount of Your Life Insurance remaining after the accelerated benefit is paid. On Your Life Insurance at Your death . The amount of Life Insurance that We will pay at Your death will be decreased by: ● the amount of the accelerated benefit paid by Us. On Your Life Insurance at conversion . The amount to which You are entitled to convert under the section entitled LIFE INSURANCE: CONVERSION OPTION FOR YOU, will be decreased by: ● the amount of the accelerated benefit paid by Us. On Your Accidental Death and Dismemberment Insurance. Payment of an accelerated benefit will not affect Your Accidental Death and Dismemberment Insurance. Date Your Option to Accelerate Benefits Ends The accelerated benefit option will end on the earliest of: ● the date ABO Eligible Life Insurance ends; ● the date You or Your legal representative assign all ABO Eligible Life Insurance; or ● the date You or Your legal representative have accelerated all ABO Eligible Life Insurance benefits.
LIFE INSURANCE: CONVERSION OPTION FOR YOU GCERT2000 45 co/l/ee If Your Life Insurance ends or is reduced for any of the reasons stated below, You have the option to buy an individual policy of life insurance (“new policy”) from Us during the Application Period in accordance with the conditions and requirements of this section. This is referred to as the “option to convert”. Evidence of Your insurability will not be required. When You Will Have the Option to Convert You will have the option to convert when: ● Your Life Insurance ends because: ● You cease to be in an eligible class; or ● Your employment ends; or ● the Group Policy ends provided You have been insured for Life Insurance for at least 5 years; or ● the Group Policy is amended to end Life Insurance for an eligible class of which You are a member, provided You have been insured for Life Insurance for at least 5 years; or ● Your Life Insurance is reduced: ● on or after the date You attain age 60 in any increment or series of increments aggregating 20% or more of the amount of Your Life Insurance in effect before the first reduction due to Your age; ● because You change from one eligible class to another; or ● due to an amendment of the Group Policy. If You opt not to convert a reduction in the amount of Your Life Insurance as described above, You will not have the option to convert that amount at a later date. A reduction in the amount of Your Life Insurance as a result of the payment of an accelerated benefit will not give rise to a right to convert under this section. Application Period If You opt to convert Your Life Insurance for any of the reasons stated above, We must receive a completed conversion application form from You within the Application Period described below. If You are given Written notice of the option to convert within 15 days before or after the date Your Life Insurance ends or is reduced, the Application Period begins on the date that such Life Insurance ends or is reduced and expires 31 days after such date. If You are given Written notice of the option to convert more than 15 days after but within 90 days of the date Your Life Insurance ends or is reduced, the Application Period begins on the date such Life Insurance ends or is reduced and expires 15 days from the date of such notice. In no event will the Application Period exceed 91 days from the date Your Life Insurance ends or is reduced. Option Conditions The option to convert is subject to these conditions: 1 . Our receipt within the Application Period of: ● Your Written application for the new policy; and ● the premium due for such new policy; 2 . The premium rates for the new policy will be based on: ● Our rates then in use; ● the form and amount of insurance; ● Your class of risk; and ● Your attained age when Your Life Insurance ends or is reduced; 3 . the new policy may be on any form then customarily offered by Us excluding term insurance;
LIFE INSURANCE: CONVERSION OPTION FOR YOU (continued) GCERT2000 46 co/l/ee 4 . the new policy will be issued without an accidental death and dismemberment benefit, a continuation benefit, an accelerated benefit option, a waiver of premium benefit or any other rider or additional benefit; and 5 . the new policy will take effect on the 32 nd day after the date Your Life Insurance ends or is reduced; this will be the case regardless of the duration of the Application Period. Maximum Amount of the New Policy If Your Life Insurance ends due to the end of the Group Policy or the amendment of the Group Policy to end Life Insurance for an eligible class of which You are a member, the maximum amount of insurance that You may elect for the new policy is the lesser of: ● the amount of Your Life Insurance that ends under the Group Policy less the amount of life insurance for which You become eligible under any group policy within 31 days after the date insurance ends under the Group Policy; or ● $2,000 If Your Life Insurance ends for any other reason, the maximum amount of insurance that You may elect for the new policy is the amount of Your Life Insurance that ends under the Group Policy. If You Die Within 31 Days After Your Life Insurance Ends or is reduced If You die within 31 days after Your Life Insurance ends or is reduced by an amount You are entitled to convert, Proof of Your death must be sent to Us. When We receive such Proof with the claim, We will review the claim and if We approve it will pay the Beneficiary the amount of Life Insurance You were entitled to convert. Effect of Previous Conversion If You obtained a new policy through this conversion option and Your Life Insurance is later continued under the section entitled ELIGIBILITY FOR CONTINUATION OF CERTAIN INSURANCE WHILE YOU ARE TOTALLY DISABLED. We will only pay Your Life Insurance under such section if the new policy is returned to Us. If the new policy is returned to us, We will refund to Your estate the premium paid for such policy without interest, less any debt incurred under such policy. If the new policy is not returned to Us, We will only pay the life insurance in effect under such new policy. We will not pay insurance under both the Group Policy and the new policy.
ELIGIBILITY FOR CONTINUATION OF CERTAIN INSURANCE WHILE YOU ARE TOTALLY DISABLED GCERT2000 47 cp/all If You become Totally Disabled while You are insured for Continuation Eligible Insurance under this policy, You may qualify to continue certain insurance under this section. If continued, premium payment will not be required. We will determine if You qualify for this continuation after We receive Proof that You have satisfied the conditions of this section. Total Disability must start before You attain age 60 and while You are insured for Continuation Eligible Insurance. Your Total Disability must continue without interruption from the date You became Totally Disabled through the end of the Continuation Waiting Period. DEFINITIONS For the purpose of this section, “Continuation Eligible Insurance” means Your · Basic Life Insurance; · Basic Accidental Death and Dismemberment Insurance if You continue Basic Life Insurance; to the extent that such insurance was in effect for You on the date Your Total Disability began. Continuation Eligible Insurance does not include Life Insurance amounts accelerated under the section entitled LIFE INSURANCE: ACCELERATED BENEFIT OPTION FOR YOU. Continuation Waiting Period means the period which starts on the date You become Totally Disabled and ends 9 consecutive months later. Total Disability or Totally Disabled means, for purposes of this section, that due to an injury or sickness: · You are unable to perform the material and substantial duties of Your regular job; and · You are unable to perform any other job for which You are fit by education, training or experience. TOTAL DISABILITY AND PROOF REQUIREMENTS If You become disabled You should contact Us as soon as reasonably possible. After the Continuation Waiting Period ends, You must send Us Proof that You were Totally Disabled with no interruption throughout the Continuation Waiting Period. You must do this within the time frame specified in the section entitled FILING A CLAIM. As part of such Proof, We may choose a Physician to examine You to verify that You are Totally Disabled. We will pay for the exam. After We receive and review Your Proof, We will determine if You qualify. We will notify You in writing of Our decision. To verify that You continue to be Totally Disabled without interruption, We may require from time to time that You send Us Proof that You continue to be Totally Disabled. We will not ask for Proof more than once each year. IF YOU DIE OR SUSTAIN A LOSS COVERED BY THE CONTINUED INSURANCE DURING CONTINUATION If You die or sustain a loss for which you believe benefits may be payable during the continuation, Proof of the death must be sent to Us. In addition to the Proof which is otherwise required for the insurance, the Proof must show that Your Total Disability continued with no interruption from the date We informed You that the continuation was approved until the date of the death or the date of loss. When We receive such Proof with the claim, We will review the claim and if We approve it, will pay any benefit payable under the insurance continued under this section.
ELIGIBILITY FOR CONTINUATION OF CERTAIN INSURANCE WHILE YOU ARE TOTALLY DISABLED GCERT2000 48 cp/all EFFECT OF PREVIOUS CONVERSION If You converted any portion of Your Continuation Eligible Life Insurance to an individual policy, We will only pay the life insurance under this section if the individual policy is returned to Us. If it is returned to Us, We will refund to Your estate the premiums paid for such policy without interest, less any debt incurred under such policy. If such individual policy is not returned to Us, We will pay the life insurance in effect under the individual policy. We will not pay insurance under both the Group Policy and the individual policy. EFFECT OF PREVIOUS ELECTION TO PORT COVERAGE If You ported any portion of Your Continuation Eligible Insurance to a certificate under another policy, We will only pay insurance under this section if the other policy’s certificate is surrendered to Us. If it is returned to Us, We will refund to Your estate the premiums paid under such policy without interest. If that certificate is not returned to Us, We will pay any insurance which applies under the other policy’s certificate. We will not pay insurance under both this Group Policy and the other policy. DATE CONTINUATION ENDS The Continuation Eligible Insurance continued under this section may be continued in a reduced amount on account of Your age or the payment of accelerated benefits and will end at the earliest of: 1. the date You die; 2. the date Your Total Disability ends; 3. the date You do not give Us Proof of Total Disability, as required; 4. the date You refuse to be examined by Our Physician, as required; 5 . if You become Totally Disabled before age 60, the date You reach age 65. Option To Convert Your Continuation Eligible Life Insurance When a continuation under this section ends, You may buy an individual policy of life insurance from Us. The details of this option are described in the section entitled LIFE INSURANCE: CONVERSION OPTION FOR YOU. For the purpose of that section, the end of this continuation will be considered the end of Your employment. You may not use the conversion option described in those sections if before the end of the Application Period for conversion You return to Active Work in an eligible class and become insured under the Group Policy. You will not be able to convert any of Your Continuation Eligible Life Insurance which You have already converted to an individual policy. Option To Port Your Continuation Eligible Insurance When a continuation under this section ends, You may elect to port to a different policy the insurance which has been continued under this section. The details of this option are described in the At Your Option: Portability subsection of the CONTINUATION OF INSURANCE WITH PREMIUM PAYMENT section. For the purpose of that section, the end of this continuation will be considered the end of Your employment. You may not use the portability option described in that section if before the end of the Portability Request Period, You return to Active Work in an eligible class and become insured under the Group Policy. You will not be able to port any of Your Continuation Eligible Insurance which You have already converted to an individual policy.
ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE GCERT2000 49 add 05/13 Applicable to Basic Accidental Death and Dismemberment Insurance If You sustain an accidental injury that is the Direct and Sole Cause of a Covered Loss described in the SCHEDULE OF BENEFITS, Proof of the accidental injury and Covered Loss must be sent to Us. When We receive such Proof We will review the claim and, if We approve it, We will pay the insurance in effect on the date of the injury. Direct and Sole Cause means that the Covered Loss occurs within 12 months of the date of the accidental injury and was a direct result of the accidental injury, independent of other causes. We will deem a loss to be the direct result of an accidental injury if it results from unavoidable exposure to the elements and such exposure was a direct result of an accident. PRESUMPTION OF DEATH You will be presumed to have died as a result of an accidental injury if: ● the aircraft or other vehicle in which You were traveling disappears, sinks, or is wrecked; and ● the body of the person who has disappeared is not found within 1 year of: ● the date the aircraft or other vehicle was scheduled to have arrived at its destination, if traveling in an aircraft or other vehicle operated by a Common Carrier; or ● the date the person is reported missing to the authorities, if traveling in any other aircraft or vehicle. EXCLUSIONS (See notice page for residents of Missouri) We will not pay benefits under this section for any loss caused or contributed to by: 1. physical or mental illness or infirmity, or the diagnosis or treatment of such illness or infirmity; 2. infection, other than infection occurring in an external accidental wound; 3. suicide or attempted suicide; 4. intentionally self-inflicted injury; 5 . service in the armed forces of any country or international authority, except the United States National Guard; 6 . any incident related to: travel in an aircraft as a pilot, crew member, flight student or while acting in any capacity other than as a passenger; or ● travel in an aircraft for the purpose of parachuting or otherwise exiting from such aircraft while it is in flight; ● parachuting or otherwise exiting from an aircraft while such aircraft is in flight except for self- preservation; ● travel in an aircraft or device used: ● for testing or experimental purposes; or ● by or for any military authority; or ● for travel or designed for travel beyond the earth’s atmosphere; 7. committing or attempting to commit a felony;
ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE (continued) GCERT2000 50 add 05/13 8. the voluntary intake or use by any means of: ● any drug, medication or sedative, unless it is: ● taken or used as prescribed by a Physician, or ● an “over the counter” drug, medication or sedative taken as directed; or ● alcohol in combination with any drug, medication, or sedative; or ● poison, gas, or fumes; or 9. war, whether declared or undeclared; or act of war, insurrection, rebellion, or riot. Exclusion for Intoxication We will not pay benefits under this section for any loss if the injured party is intoxicated at the time of the incident and is the operator of a vehicle or other device involved in the incident. Intoxicated means that the injured person’s blood alcohol level met or exceeded the level that creates a legal presumption of intoxication under the laws of the jurisdiction in which the incident occurred. BENEFIT PAYMENT For loss of Your life, We will pay benefits to Your Beneficiary. For any other loss sustained by You We will pay benefits to You. If You sustain more than one Covered Loss due to an accidental injury, the amount We will pay, on behalf of any such injured person, will not exceed the Full Amount. We will pay benefits in one sum. Other modes of payment may be available upon request. For details call Our toll free number shown on the Certificate Face Page. APPLICABILITY OF PROVISIONS The provisions set forth in this ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE section apply to all Accidental Death and Dismemberment Insurance – Additional Benefit sections included in this certificate except as may otherwise be provided in such Additional Benefit sections.
ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE - ADDITIONAL BENEFIT: AIR BAG USE GCERT2000 51 add/airbag If You die as a result of an accidental injury, We will pay this additional benefit if: 1. We pay a benefit for loss of life under the ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE section; 2. this benefit is in effect on the date of the injury; and 3. We receive Proof that the deceased person: · was in an accident while driving or riding as a passenger in a Passenger Car equipped with an Air Bag(s); · was riding in a seat protected by an Air Bag; · was wearing a Seat Belt which was properly fastened at the time of the accident; and · died as a result of injuries sustained in the accident. A police officer investigating the accident must certify that the Seat Belt was properly fastened and that the Passenger Car in which the deceased was traveling was equipped with Air Bags. A copy of such certification must be submitted to Us with the claim for benefits. Passenger Car means any validly registered four-wheel private passenger car. It does not include any commercially licensed car or any private car being used for commercial purposes. Seat Belt means any restraint device that: · meets published United States government safety standards; · is properly installed by the car manufacturer; and · is not altered after the installation. Air Bag means an inflatable restraint device that: ● meets published United States government safety standards; ● is properly installed by the car manufacturer; and ● is not altered after the installation. BENEFIT AMOUNT The Air Bag Use Benefit is an additional benefit equal to 5% of the Full Amount shown in the SCHEDULE OF BENEFITS. However, the amount We will pay for this benefit will not be less than $100 or more than $10,000. BENEFIT PAYMENT For loss of Your life We will pay benefits to Your Beneficiary.
ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE - ADDITIONAL BENEFIT: SEAT BELT USE GCERT2000 52 add/seatbelt If You die as a result of an accidental injury, We will pay this additional Seat Belt Use benefit if: 1. We pay a benefit for loss of life under the ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE section; 2. this benefit is in effect on the date of the injury; and 3. We receive Proof that the deceased person: · was in an accident while driving or riding as a passenger in a Passenger Car; · was wearing a Seat Belt which was properly fastened at the time of the accident; and · died as a result of injuries sustained in the accident. A police officer investigating the accident must certify that the Seat Belt was properly fastened. A copy of such certification must be submitted to Us with the claim for benefits. Passenger Car means any validly registered four-wheel private passenger car. It does not include any commercially licensed car or any private car being used for commercial purposes. Seat Belt means any restraint device that: · meets published United States Government safety standards; · is properly installed by the car manufacturer; and · is not altered after the installation. BENEFIT AMOUNT The Seat Belt Use benefit is an additional benefit equal to 10% of the Full Amount shown in the SCHEDULE OF BENEFITS . However, the amount We will pay for this benefit will not be less than $1,000 or more than $25,000 . BENEFIT PAYMENT For loss of Your life, We will pay benefits to Your Beneficiary.
ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE - ADDITIONAL BENEFIT: CHILD CARE GCERT2000 53 add/childcare If You die as a result of an accidental injury, We will pay this additional Child Care benefit if: 1. We pay a benefit for loss of life under the ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE section; 2. This benefit is in effect on the date of the injury; and 3. We receive Proof that: on the date of Your death a Child was enrolled in a Child Care Center; or · within 12 months after the date of Your death a Child was enrolled in a Child Care Center. Child Care Center means a facility that: · is operated and licensed according to the law of the jurisdiction where it is located; and · provides care and supervision for children in a group setting on a regularly scheduled and daily basis. BENEFIT AMOUNT For each Child who qualifies for this benefit, We will pay an amount equal to the Child Care Center charges incurred for a period of up to 4 consecutive years, not to exceed: · an annual maximum of $5,000; and · an overall maximum of 12% of the Full Amount shown in the SCHEDULE OF BENEFITS . We will not pay for Child Care Center charges incurred after the date a Child attains age 12. We may require Proof of the Child’s continued enrollment in a Child Care Center during the period for which a benefit is claimed. BENEFIT PAYMENT We will pay this benefit quarterly when We receive Proof that Child Care Center charges have been paid. Payment will be made to the person who pays such charges on behalf of the Child. If this benefit is in effect on the date You die and there is no Child who could qualify for it, We will pay $1,000 to Your Beneficiary in one sum.
ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE - ADDITIONAL BENEFIT: COMMON CARRIER GCERT2000 add/cc 54 If You die as a result of an accidental injury, We will pay this additional benefit if: 1. We pay a benefit for loss of life under the ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE section; 2. this benefit is in effect on the date of the injury; and 3. We receive Proof that the injury resulting in the deceased’s death occurred while traveling in a Common Carrier. BENEFIT AMOUNT The Common Carrier Benefit is shown in the SCHEDULE OF BENEFITS. BENEFIT PAYMENT For loss of Your life We will pay benefits to Your Beneficiary.
FILING A CLAIM GCERT2000 55 claim 10/04 The Employer should have a supply of claim forms. Obtain a claim form from the Employer and fill it out carefully. Return the completed claim form with the required Proof to the Employer. The Employer will certify Your insurance under the Group Policy and send the certified claim form and Proof to Us. When we receive the claim form and Proof We will review the claim and, if We approve it, We will pay benefits subject to the terms and provisions of this certificate and the Group Policy. CLAIMS FOR LIFE INSURANCE BENEFITS When a claimant files a claim for Life Insurance benefits , Proof should be sent to Us as soon as is reasonably possible after the death of an insured. CLAIMS FOR INSURANCE BENEFITS When a claimant files a claim for insurance benefits described in this certificate, both the notice of claim and the required Proof should be sent to us within 90 days of the date of a loss. Notice of claim and Proof may also be given to Us by following the steps set forth below: Step 1 A claimant may give Us notice by calling Us at the toll free number shown in the Certificate Face Page within 20 days of the date of a loss. Step 2 We will send a claim form to the claimant and explain how to complete it. The claimant should receive the claim form within 15 days of giving Us notice of claim. Step 3 When the claimant receives the claim form, the claimant should fill it out as instructed and return it with the required Proof described in the claim form. If the claimant does not receive a claim form within 15 days after giving Us notice of claim, Proof may be sent using any form sufficient to provide Us with the required Proof. Step 4 The claimant must give Us Proof not later than 90 days after the date of the loss. If notice of claim or Proof is not given within the time limits described in this section, the delay will not cause a claim to be denied or reduced if such notice and Proof are given as soon as is reasonably possible. Time Limit on Legal Actions. A legal action on a claim may only be brought against Us during a certain period. This period begins 60 days after the date Proof is filed and ends 3 years after the date such Proof is required.
GENERAL PROVISIONS GCERT2000 56 gp 10/04 Assignment You may assign Your Life Insurance rights and benefits under the Group Policy as a gift or as a viatical assignment. You may also assign Your Accidental Death and Dismemberment Insurance rights and benefits under the Group Policy as a gift. We will recognize the assignee(s) under such assignment as owner(s) of Your right, title and interest in the Group Policy if: 1. a Written form satisfactory to Us, affirming this assignment, has been completed; 2. the Written form has been Signed by You and the assignee(s); 3. the Employer acknowledges that the Life Insurance and Accidental Death and Dismemberment Insurance being assigned is in force on the life of the assignor; and 4. the Written form is delivered to Us for recording. Viatical assignments may only be made after Your Life Insurance has been in effect under this certificate for 2 years. However, you may make a viatical assignment before the end of the 2 year period if you are Terminally Ill. Terminally Ill means that You are expected to die within 6 months. As Proof of Your Terminal Illness You or Your legal representative must send Us a signed Physician’s certification that You are Terminally Ill. We may also request an exam by a Physician of Our choice, at Our expense. Beneficiary You may designate a Beneficiary in Your application or enrollment form. You may change Your Beneficiary at any time. To do so, You must send a Signed and dated, Written request to the Employer using a form satisfactory to Us. Your Written request to change the Beneficiary must be sent to the Employer within 30 days of the date You Sign such request. You do not need the Beneficiary’s consent to make a change. When We receive the change, it will take effect as of the date You Signed it. The change will not apply to any payment made in good faith by Us before the change request was recorded. If two or more Beneficiaries are designated and their shares are not specified, they will share the insurance equally. If there is no Beneficiary designated or no surviving designated Beneficiary at Your death, We may determine the Beneficiary to be one or more of the following who survive You: 1. Your Spouse; 2. Your child(ren); 3. Your parent(s); or 4. Your siblings(s) · Instead of making payment to any of the above, we may pay Your estate. Any payment made in good faith will discharge our liability to the extent of such payment. If a Beneficiary or payee is a minor or incompetent to receive payment, We will pay that person’s guardian. Entire Contract Your insurance is provided under a contract of group insurance with the Employer. The entire contract with the Employer is made up of the following: 1. the Group Policy and its Exhibits, which include the certificate(s); 2. the Employer's application ; and 3. any amendments and/or endorsements to the Group Policy.
GENERAL PROVISIONS (continued) GCERT2000 57 gp 10/04 Incontestability: Statements Made by You Any statement made by You will be considered a representation and not a warranty. We will not use such statement to avoid insurance, reduce benefits or defend a claim unless the following requirements are met: 1. the statement is in a Written application or enrollment form; 2. You have Signed the application or enrollment form; and 3. a copy of the application or enrollment form has been given to You or Your Beneficiary. We will not use Your statements which relate to insurability to contest life insurance after it has been in force for 2 years during Your life. In addition, We will not use such statements to contest an increase or benefit addition to such insurance after the increase or benefit has been in force for 2 years during Your life. Misstatement of Age If Your age is misstated, the correct age will be used to determine if insurance is in effect and, as appropriate, We will adjust the benefits and/or premiums. Conformity with Law If the terms and provisions of this certificate do not conform to any applicable law, this certificate shall be interpreted to so conform. Physical Exams If a claim is submitted for insurance benefits, We have the right to ask the insured to be examined by a Physician(s) of Our choice as often as is reasonably necessary to process the claim. We will pay the cost of such exam. Autopsy Subject to Your religious practices or beliefs, We have the right to make a reasonable request for an autopsy where permitted by law. Any such request will set forth the reasons We are requesting the autopsy.
THIS IS THE END OF THE CERTIFICATE. THE FOLLOWING IS ADDITIONAL INFORMATION
CPN-Initial Enr/SOH and SBR (08/21) Page 1 Delaware American Life Insurance Company MetLife Health Plans, Inc. MetLife Legal Plans, Inc. MetLife Legal Plans of Florida, Inc. Metropolitan General Insurance Company Metropolitan Life Insurance Company Metropolitan Tower Life Insurance Company SafeGuard Health Plans, Inc. SafeHealth Life Insurance Company Our Privacy Notice We know that you buy our products and services because you trust us. This notice explains how we protect your privacy and treat your personal information. It applies to current and former customers. “Personal information” as used here means anything we know about you personally. SECTION 1: Plan Sponsors and Group Insurance Contract Holders This privacy notice is for individuals who apply for or obtain our products and services under an employee benefit plan, group insurance or annuity contract, or as an executive benefit. In this notice, “you” refers to these individuals. SECTION 2: Protecting Your Information We take important steps to protect your personal information. We treat it as confidential. We tell our employees to take care in handling it. We limit access to those who need it to perform their jobs. Our outside service providers must also protect it, and use it only to meet our business needs. We also take steps to protect our systems from unauthorized access. We comply with all laws that apply to us. SECTION 3: Collecting Your Information We typically collect your name, address, age, and other relevant information. We may also collect information about any business you have with us, our affiliates, or other companies. Our affiliates include life insurers, a legal plans company and a securities broker-dealer. In the future, we may also have affiliates in other businesses. SECTION 4: How We Get Your Information We get your personal information mostly from you. We may also use outside sources to help ensure our records are correct and complete. These sources may include consumer reporting agencies, employers, other financial institutions, adult relatives, and others. These sources may give us reports or share what they know with others. We don’t control the accuracy of information outside sources give us. If you want to make any changes to information we receive from others about you, you must contact those sources. We may ask for medical information. The Authorization that you sign when you request insurance permits these sources to tell us about you. We may also, at our expense: · Ask for a medical exam · Ask for blood and urine tests · Ask health care providers to give us health data, including information about alcohol or drug abuse We may also ask a consumer reporting agency for a “consumer report” about you (or anyone else to be insured). Consumer reports may tell us about a lot of things, including information about: · Reputation · Driving record · Finances · Work and work history · Hobbies and dangerous activities The information may be kept by the consumer reporting agency and later given to others as permitted by law. The agency will give you a copy of the report it provides to us, if you ask the agency and can provide adequate identification. If you write to us and we have asked for a consumer report about you, we will tell you so and give you the name, address and phone number of the consumer reporting agency. Another source of information is MIB, Inc. (“MIB”). It is a not-for-profit membership organization of insurance companies which operates an information exchange on behalf of its Members. We, or our reinsurers, may make a brief report to MIB. If you apply to another MIB Member company for life or health insurance coverage, or a claim for benefits is submitted, MIB, upon request, will supply such company with the information in its file. Upon receipt of a request from you MIB will arrange disclosure of any information it may have in your file. Please contact MIB at 866-692-6901. If you question the accuracy of information in MIB’s
CPN-Initial Enr/SOH and SBR (08/21) Page 2 file, you may contact MIB and seek a correction in accordance with the procedures set forth in the federal Fair Credit Reporting Act. You may do so by writing to MIB, Inc., 50 Braintree Hill, Suite 400, Braintree, MA 02184- 8734 or go to MIB website at www.mib.com . SECTION 5: Using Your Information We collect your personal information to help us decide if you’re eligible for our products or services. We may also need it to verify identities to help deter fraud, money laundering, or other crimes. How we use this information depends on what products and services you have or want from us. It also depends on what laws apply to those products and services. For example, we may also use your information to: · administer your products and services · process claims and other transactions · perform business research · confirm or correct your information · market new products to you · help us run our business · comply with applicable laws SECTION 6: Sharing Your Information With Others We may share your personal information with others with your consent, by agreement, or as permitted or required by law. We may share your personal information without your consent if permitted or required by law. For example, we may share your information with businesses hired to carry out services for us. We may also share it with our affiliated or unaffiliated business partners through joint marketing agreements. In those situations, we share your information to jointly offer you products and services or have others offer you products and services we endorse or sponsor. Before sharing your information with any affiliate or joint marketing partner for their own marketing purposes, however, we will first notify you and give you an opportunity to opt out. Other reasons we may share your information include: doing what a court, law enforcement, or government agency requires us to do (for example, complying with search warrants or subpoenas) telling another company what we know about you if we are selling or merging any part of our business giving information to a governmental agency so it can decide if you are eligible for public benefits giving your information to someone with a legal interest in your assets (for example, a creditor with a lien on your account) giving your information to your health care provider having a peer review organization evaluate your information, if you have health coverage with us those listed in our “Using Your Information” section above SECTION 7: HIPAA We will not share your health information with any other company – even one of our affiliates – for their own marketing purposes. The Health Insurance Portability and Accountability Act (“HIPAA”) protects your information if you request or purchase dental, vision, long-term care and/or medical insurance from us. HIPAA limits our ability to use and disclose the information that we obtain as a result of your request or purchase of insurance. Information about your rights under HIPAA will be provided to you with any dental, vision, long- term care or medical coverage issued to you. You may obtain a copy of our HIPAA Privacy Notice by visiting our website at www.MetLife.com . For additional information about your rights under HIPAA; or to have a HIPAA Privacy Notice mailed to you, contact us at [email protected] , or call us at telephone number (212) 578-0299. SECTION 8: Accessing and Correcting Your Information You may ask us for a copy of the personal information we have about you. We will provide it as long as it is reasonably locatable and retrievable. You must make your request in writing listing the account or policy numbers with the information you want to access. For legal reasons, we may not show you privileged information relating to a claim or lawsuit, unless required by law.
CPN-Initial Enr/SOH and SBR (08/21) Page 3 If you tell us that what we know about you is incorrect, we will review it. If we agree, we will update our records. Otherwise, you may dispute our findings in writing, and we will include your statement whenever we give your disputed information to anyone outside MetLife. SECTION 9: Questions We want you to understand how we protect your privacy. If you have any questions or want more information about this notice, please contact us. A detailed notice shall be furnished to you upon request. When you write, include your name, address, and policy or account number. Send privacy questions to : MetLife Privacy Office P. O. Box 489 Warwick, RI 02887-9954 [email protected] We may revise this privacy notice. If we make any material changes, we will notify you as required by law. We provide this privacy notice to you on behalf of the MetLife companies listed at the top of the first page.