TABLE OF CONTENTS GCERT2000 toc 20 Section Page CERTIFICATE FACE PAGE ............................................................................................................................... 1 NOTICES ............................................................................................................................................................ 2 SCHEDULE OF BENEFITS .............................................................................................................................. 21 DEFINITIONS .................................................................................................................................................... 23 ELIGIBILITY PROVISIONS: INSURANCE FOR YOU ...................................................................................... 27 Eligible Classes ............................................................................................................................................. 27 Date You Are Eligible For Insurance ............................................................................................................. 27 Enrollment Process ........................................................................................................................................ 27 Date Your Insurance Takes Effect ................................................................................................................. 27 Date Your Insurance Ends ............................................................................................................................. 28 SPECIAL RULES FOR GROUPS PREVIOUSLY INSURED UNDER A PLAN OF DISABILITY INCOME INSURANCE ..................................................................................................................................................... 30 CONTINUATION OF INSURANCE WITH PREMIUM PAYMENT .................................................................... 32 For Family And Medical Leave ...................................................................................................................... 32 At The Employer's Option .............................................................................................................................. 32 EVIDENCE OF INSURABILITY ........................................................................................................................ 33 LONG TERM BENEFITS .................................................................................................................................. 34 INCOME WHICH WILL REDUCE YOUR DISABILITY BENEFIT .................................................................. 37 INCOME WHICH WILL NOT REDUCE YOUR DISABILITY BENEFIT ......................................................... 40 DATE BENEFIT PAYMENTS END ................................................................................................................ 41 ADDITIONAL LONG TERM BENEFIT: COST OF LIVING ADJUSTMENT ................................................... 42 ADDITIONAL LONG TERM BENEFIT: SINGLE SUM PAYMENT IN THE EVENT OF YOUR DEATH ........ 43 ADDITIONAL LONG TERM BENEFIT: ALTERNATIVE BENEFIT PAYMENT OFFER, AT OUR OPTION .. 44 PRE-EXISTING CONDITIONS ...................................................................................................................... 45 LIMITED DISABILITY BENEFITS .................................................................................................................. 46 EXCLUSIONS ................................................................................................................................................ 47 FILING A DISABILITY INCOME CLAIM ............................................................................................................ 48 GENERAL PROVISIONS .................................................................................................................................. 49 Assignment .................................................................................................................................................... 49 Disability Income Benefit Payments: Who We Will Pay ................................................................................. 49 Entire Contract ............................................................................................................................................... 49 Incontestability: Statements Made By You .................................................................................................... 49 Misstatement of Age ...................................................................................................................................... 49 Conformity with Law ...................................................................................................................................... 49 Physical Exams ............................................................................................................................................. 50 Autopsy .......................................................................................................................................................... 50 Overpayments ............................................................................................................................................... 50