When coverage begins: Coverage is effective as of the first day of the month after the administrator receives your enrollment form and first premium payment.
When coverage ends: Your coverage remains in effect if premiums are paid, the Master Policy is in force, and you remain a member, until you reach age 100.
Spouse or partner coverage terminates when your coverage terminates, premiums are not paid, or your spouse or partner ceases to be eligible according to the terms of the policy.
Spouse or partner continuation: If the member dies while a spouse or partner is covered under the policy, the surviving spouse or partner may continue the benefits in force on the date of the member’s death. We must receive your spouse or partner’s written request and the required premium to continue coverage within 31 days of the premium due date next following the member’s date of death.
Satisfaction guarantee: Once you receive your Certificate of Insurance you have a full 30 days to review it. If you’re not satisfied, return it within 30 days of receipt; premiums paid will be refunded, minus any claims paid.