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INDIVIDUAL ELIGIBILITY, EFFECTIVE DATE AND TERMINATION <br /> GENERAL GROUP: The general group will be your employees and employees of any subsidiaries, divisions or affiliates <br /> named on the Schedule of Benefits. <br /> ELIGIBLE CLASSES: The eligible classes will be those persons described on the Schedule of Benefits. <br /> EFFECTIVE DATE OF INDIVIDUAL INSURANCE: If you pay the entire premium, the insurance for an eligible Person <br /> will go into effect on the date stated on the Schedule of Benefits. If an eligible Person pays a part of the premium, he/she <br /> must apply in writing for the insurance to go into effect. He/she will become insured on the date stated on the Schedule <br /> of Benefits, except that the insurance will go into effect: <br /> (1) on the date he/she applies, if he/she applies within thirty-one(31)days of the date he/she is first eligible; or � <br /> (2) on the date we approve any required proof of good health.We require proof of good health if a person applies: <br /> (a) after thirty-one(31)days from the date he/she first becomes eligible; or <br /> (b) after he/she terminated this insurance but he/she remained in a class eligible for this insurance. <br /> Changes in an Insured's amount of insurance are effective as shown on the Schedule of Benefits. <br /> If the person is not actively at work on the day his/her insurance is to go into effect, the insurance will go into effect on the <br /> day he/she returns to active work for one full day. <br /> TERMINATION OF INDIVIDUAL INSURANCE: The insurance of an Insured will terminate on the first of the following to <br /> occur: <br /> (1) the date the Policy terminates; or <br /> (2) the last day of the Policy month in which the Insured ceases to be in a class eligible for this insurance; or <br /> (3) the end of the period for which premium has been paid for the Insured; or <br /> (4) the date the Insured enters military service (not including Reserve or National Guard). <br /> CONTINUATION OF INDIVIDUAL INSURANCE: The insurance of an Insured may be continued, by payment of <br /> premium, beyond the date the Insured ceases to be eligible for this insurance, but not longer than: <br /> (1) twelve(12) months, if due to illness or injury; or <br /> (2) one(1) month, if due to temporary lay-off or approved leave of absence. <br /> LRS-6422-6 Ed. 9/89 Page 4.0 <br />