Hartford FT - Basic Life - Amendatory Rider

Amendatory Rider

 

This rider is attached to all certificates given in connection with The Policy and is effective on The Policy Effective Date.

This rider is intended to amend Your certificate, as indicated below, to comply with the laws of Your state of residence. Only those references to benefits, provisions or terms actually included in Your certificate will affect Your coverage. In addition, any reference made herein to Dependent coverage will only apply if Dependent coverage is provided in Your certificate.

For California residents:

  1. The following is added to the definition of Spouse:
    Spouse will also include an individual who is in a registered domestic partnership with You in accordance with California law. References to Your marriage or divorce will include Your registered domestic partnership or dissolution of Your registered domestic partnership.
  2. The following is added to the definition of Dependent Child(ren):
    Dependent Child(ren) will also include child(ren) of Your California registered domestic partner.

For Colorado residents, the Suicide provision will only exclude amounts of life insurance in effect within the first year of coverage or within the first year following an increase in coverage.

For Connecticut residents:

  1. The definition of Dependent Child(ren) is amended to include relationships due to domestic partnership.
  2. The following is added to the definition of Spouse:
    Spouse will include Your domestic partner, provided You have executed a domestic partner affidavit satisfactory to Us, establishing that You and Your partner are domestic partners for the purposes of The Policy. You will continue to be considered domestic partners provided You continue to meet the requirements described in the domestic partner affidavit.

For Louisiana residents:

  1. The definition of Dependent Child(ren) is replaced by the following:
    Dependent Child(ren) means:

    1. Your unmarried children, stepchildren, legally adopted children;
    2. unmarried child who is placed in your home pursuant to an adoption placement agreement; executed with a licensed adoption agency (from the date of placement in your home);
    3. an unmarried child who is placed in your home following execution of an act of voluntary surrender (as of the date on which the act of voluntary surrender becomes irrevocable);
    4. Your unmarried grandchildren who are in Your legal custody and live with You; or
    5. any other children related to You by blood or marriage who live with You in a regular parent-child relationship;

    provided such children are primarily dependent upon You for financial support and maintenance and are:

    1. from live birth to age 21 years;
    2. age 21, but under age 24, and in full-time attendance at an accredited institution of learning. If a student is attending a Louisiana vocational, technical, vocational-technical, or trade school or institute on a fulltime basis, as defined by the institution, then we will consider the student to have satisfied the requirements of full-time attendance for The Policy;
    3. Coverage will be continued for a child up to age 24 who is deemed to be unable to attend school full-time due to a mental or nervous condition, problem or disorder; or
    4. age 21 or older and disabled. Such children must have become disabled before attaining age 21. You must submit proof, satisfactory to Us, of such children,s disability.
  2. The definition of Dependent is replaced by the following:
    Dependent means Your Spouse and Your Dependent Child(ren). A dependent must be a citizen or legal resident of the United States, its territories and protectorates. Any person who is in full-time military service cannot be a dependent, unless that person is subsequently called to military service and any required premium is paid.
  3. Any and all references to Domestic Partners are hereby deleted.
  4. The age limit stated in the Continuation for Dependent Children with Disabilities provision is increased to 21, if less than 21.
  5. The following provision is added to the Period of Coverage provisions:
    Reinstatement after Military Service: If:

    1. Your coverage terminates because You enter active military service; and
    2. You are rehired within 12 months of the date Your coverage terminated/within 12 months of the date You return from active military service;

    then coverage for You and Your previously covered Dependent Spouse/Dependents may be reinstated, provided You request such reinstatement within 31 days of the date You return to work. The reinstated coverage will:

    1. be the same coverage amounts in force on the date coverage terminated; and
    2. not be subject to any Waiting Period for Coverage, Evidence of Insurability or Pre-existing Conditions Limitations; and
    3. be subject to all the terms and provisions of The Policy.
  6. The last paragraph of the Claims to be Paid provision is replaced by the following:
    In addition, We may, at Our option, pay a portion of Your Life Insurance Benefit up to $500 to any person equitably entitled to payment because of expenses from Your funeral or other expenses incident to Your last illness or death. Payment to any person, as shown above, will release Us from liability for the amount paid.
  7. The exclusion for the Seatbelt and Air Bag benefit is replace by the following:
    The Seat Belt and Air Bag Benefit will not be payable if the injured person is operating the Motor Vehicle at the time of Injury while:

    1. Intoxicated; or
    2. under the influence of narcotics, unless administered on the advice of a physician.
  8. The drug exclusion in the Accidental Death and Dismemberment Exclusions is replaced by the following:
    Injury sustained while under the influence of narcotics, unless administered on the advice of a Physician;

For Maryland residents:

  1. The definition of Dependent Child(ren) is amended to include relationships due to domestic partnership.
  2. The following is added to the definition of Spouse:
    Spouse will include Your domestic partner, provided You have executed a domestic partner affidavit satisfactory to Us, establishing that You and Your partner are domestic partners for the purposes of The Policy. You will continue to be considered domestic partners provided You continue to meet the requirements described in the domestic partner affidavit.

For Minnesota residents:

  1. The term “granted military leave of absence” in the Military Leave of Absence portion of the Continuation Provisions section, is amended to “documented military leave of absence.”
  2. The following applies to You if there are more than 25 residents of Minnesota who are covered under The Policy and those 25 residents constitute 25% or more of the total number of people covered under The Policy: The provision titled “Lay Off” is deleted from the Continuation Provisions and is replaced by the following:
    Lay Off: If You are voluntarily or involuntarily terminated or Laid Off, You may elect to continue Your coverage by making monthly premium payments to the Employer for the cost of continued coverage. You must elect this continued coverage within 60 days from:

    1. the date Your coverage would otherwise terminate; or
    2. the date You receive a written notice of Your right to continue coverage

    whichever is later. The amount of premium charged may not exceed 102% of the premium paid, either by You or the Employer, for life insurance coverage for an Active Employee. The Employer will inform You of:

    1. Your right to continue coverage;
    2. the amount of monthly premium; and
    3. how, where and by when payment must be made.

    Upon request, the Employer will provide You Our written verification of the cost of coverage. Coverage will continue until the first to occur of:

    1. the date You are covered under another group policy; or
    2. the last day of the 18th month following the date of termination or layoff.

    At the end of such 18 month period, You may exercise the Conversion Right if You do so within the time limits described in such provision. However, in lieu of conversion coverage You may accept a policy providing reduced benefits at a reduced premium rate. Minnesota law requires that if Your coverage ends because the Employer fails:

    1. to notify You of Your right to continue coverage; or
    2. to pay the premium after timely receipt;

    the Employer will be liable for benefit payments to the extent We would have been liable had You still been covered. Laid Off means that there is a reduction in the number of hours You work for the Employer so that You are no longer eligible for coverage. The term termination does not include discharge for gross misconduct but does include retirement.

  3. the 7th paragraph of the Accelerated Benefit provision is deleted.
  4. the 2nd, 3rd and 4th paragraphs of the Conversion Right provision are deleted.
  5. The first sentence of the 5th paragraph of the Claims to be Paid provision is amended as follows:
    If benefits are payable and are greater than $15,000, then You or Your beneficiary may request that We pay benefits into a draft book account (checking account) which will be owned by:

    1. You, if living; or
    2. Your beneficiary, in the event of Your death.

For Missouri residents:

  1. The time periods stated in the Conditions for Qualification and the Benefit Payable before Approval of Waiver of Premium provisions are changed to 180 days, if greater than 180 days.
  2. The following language is added to the When Premiums are Waived provision:
    If Waiver of Premium is approved, it will be retroactive to the date the disability began. Premiums will be waived retrospectively once You have completed the 180 day waiting period.
  3. The Suicide provision is replaced by the following:
    Suicide: What benefit is payable if death is a result of suicide?
    If You or Your Dependent commit suicide, whether sane or insane, We will not pay any Supplemental Amount of Life Insurance or Supplemental Amount of Dependent Life Insurance for the deceased person which was elected within the 1 year period immediately prior to the date of death. This applies to initial coverage and elected increases in coverage. It does not apply to benefit increases that resulted solely due to an increase in Earnings. If You or Your Dependent die as a result of suicide, whether sane or insane, within 1 year of the Policy effective date, all premiums paid for coverage will be refunded.

    This 1 year period includes the time group life insurance coverage was in force under the Prior Policy.

For Montana residents:

  1. The time period stated in the Conversion Right provision is changed to 3 years, if greater than 3 years.
  2. The dollar amount stated in the Conversion Right provision is changed to $10,000, if less than $10,000.
  3. The 2nd paragraph of the Conversion Policy Provisions is deleted.
  4. The dollar amount stated in the second paragraph of the Claims to be Paid provision is changed to $500, if not $500.
  5. The following provision is added to the Claims to be Paid provision.
    Payable Interest: Is interest payable on death claims?
    Claims payable for loss of life will be paid within 60 days of the date due proof is received. If the claim is paid more than 30 days after the date due proof is received, the amount payable will include interest. Interest will be paid at the discount rate, on 90-day commercial paper, in effect at the Federal Reserve Bank in the Ninth Federal Reserve District on the date due proof is received.

For New Hampshire residents:

  1. The Waiver of Premium and Disability Extension provision or the Disability Extension provision is deleted
  2. The following is added to the end of the first paragraph of the Conversion provision:
    The Notice of Conversion Right form will be mailed to You within 15 days after the Policy ceases. If notice is given more than 15 days after the Policy ceases, the time You have to convert will be extended for 15 days from the date notice was given.
  3. The last sentence of the second paragraph of the Conversion provision is replaced by the following:
    However, unless you did not have notice, We will not accept requests for Conversion if they are received more than 91 days after Life Insurance terminates.
  4. Item #3 in the second paragraph of the Sending Proof of Loss provision is deleted.
  5. The dollar amount stated in the second paragraph of the Claims to be Paid provision is changed to $250, if not $250.
  6. The following is added to the Period of Coverage if Spouse Accidental Death and Dismemberment is included in the contract:
    Spouse Continuation: Can coverage be continued for a divorced Spouse?
    If You are legally separated or divorced from Your Spouse, coverage for Your former Spouse may continue under The Policy until the earliest of:

    1. the last day of the third year following the anniversary of a final divorce or legal separation;
    2. the date You remarry;
    3. the date Your former Spouse remarries;
    4. a date specified in the final divorce decree;
    5. the date Your former Spouse fails to pay any premiums that may be due; or
    6. the date You die.

For North Dakota residents, the Suicide provision will only exclude amounts of life insurance in effect within the first year of coverage or within the first year following an increase in coverage.

For Oregon residents:

  1. The following is added to the definition of Spouse:
    Spouse will also include an individual who is in a registered domestic partnership with You in accordance with Oregon law. References to Your marriage or divorce will include Your registered domestic partnership or dissolution of Your registered domestic partnership.
  2. The following is added to the definition of Dependent Child(ren):
    Dependent Child(ren) will also include child(ren) of Your Oregon registered domestic partner.

For South Carolina residents:

  1. The following is added to the Physical Examinations and Autopsy provision: “Such autopsy must take place in the state of South Carolina.”
  2. The dollar amount stated in the second paragraph of the Claims to be Paid provision is changed to $2,000, if not $2,000.

For South Dakota residents:

  1. The suicide, felony, speed or endurance contest exclusions are replaced by the following:
    suicide, whether sane or insane, within two years of the individual,s coverage under the policy; Injury caused directly or indirectly by riding or driving on land, air, or water if participating in a speed or endurance contest; Injury sustained while committing a felony.
  2. The self-inflicted Injury, drug, Intoxicated and Driving while Intoxicated exclusions are deleted.
  3. The definition of “Intoxicated” is deleted from the Exclusion section.
  4. The exclusions set forth in the Seat Belt and Air Bag benefit are deleted.
  5. The definition of Felonious Assault set forth in the Felonious Assault Benefit is replaced by the following:
    Felonious Assault means a violent or criminal act directed at You or Your Dependents during the course of a robbery, kidnapping or criminal assault, which constitutes a felony under the law.

For Utah residents:

  1. The time period stated in the Suicide provision is changed to 2 years if not already 2 years.
  2. Item 1 of the first paragraph in the Conversion Policy Provisions is replaced by the following:
    1. be issued on one of the Life Insurance policy forms the Insurer is customarily issuing at the age and for the amount applied for at the time of conversion except for term insurance; and
  3. The following sentence is added to the Effect of Waiver of Premium on Conversion provision, if not already added:
    The Insurer will refund the premium paid for such Conversion Policy.
  4. The time period stated in the Claim Forms provision is changed to 15 days if not already 15 days.
  5. Item 3 of the second paragraph of the Sending Proof of Loss provision is deleted.
  6. The time period stated in the Claim Payment provision is changed to 15 days if not already 15 days.
  7. The provision titled Policy Interpretation is deleted in its entirety.
  8. The words “In the absence of fraud” are deleted from the Incontestability provision.
  9. The following provision is added to the Continuation provisions:
    Disability: If You are not Actively at Work due a Disability, all of Your coverage (including Dependent Life coverage) may be continued beyond a date shown in the Termination provision. Coverage may not be continued under more than one Continuation Provision. The amount of continued coverage applicable to You or Your Dependents will be the amount of coverage in effect on the date immediately before coverage would otherwise have ended. Coverage will continue until the earliest of:

    1. six months from the date of Disability;
    2. approval by Us of continuation of the coverage under any disability provision The Policy may contain;
    3. the date premium payment is due but not paid;
    4. The Policy terminates; or
    5. if the Policyholder is a trust, Your Employer ceases to be a Participating Employer.

    In no event will the amount of insurance increase while coverage is continued in accordance with this provision. The Continuation Provisions shown above may not be applied consecutively. If such absence results in a leave of absence in accordance with state and/or federal family and medical leave laws, then the combined continuation period will not exceed twelve consecutive months.

For Vermont residents:

The following Endorsement applies:

Purpose: This endorsement is intended to provide benefits for parties to a civil union. Vermont law requires that insurance contracts and policies offered to married persons and their families be made available to parties to a civil union and their families. In order to receive benefits in accordance with this endorsement, the civil union must have been established in the state of Vermont according to Vermont law.

General Definitions, Terms, Conditions and Provisions: The general definitions, terms, conditions or any other provisions of the policy, contract, certificate and/or riders and endorsements to which this mandatory endorsement is attached are hereby amended and superseded as follows:

  1. 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.
  2. Terms that mean or refer to a family relationship arising from a marriage such as “family”, “immediate family”, “dependent”, “children”, “next of kin”, “relative”, “beneficiary”, “survivor” and any other such terms include the family relationship created by a civil union.
  3. 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.
  4. “Dependent” means a spouse, a party to a civil union, and/or a child or children (natural, stepchild, legally adopted or a minor who is dependent on the insured for support and maintenance) who is born to or brought to a marriage or to a civil union.
  5. “Child or covered child” means a child (natural, step-child, legally adopted or a minor who is dependent on the insured for support and maintenance) who is born to or brought to a marriage or to a civil union.

Cautionary Disclosure: THIS RIDER IS ISSUED TO MEET THE REQUIREMENTS OF VERMONT LAW AS EXPLAINED IN THE “PURPOSE” PARAGRAPH OF THE RIDER. THE FEDERAL GOVERNMENT OR ANOTHER STATE GOVERNMENT MAY NOT RECOGNIZE THE BENEFITS GRANTED UNDER THIS RIDER. YOU ARE ADVISED TO SEEK EXPERT ADVICE TO DETERMINE YOUR RIGHTS UNDER THIS CONTRACT.

For Virginia residents, any and all references to Domestic Partners are hereby deleted.

For Washington residents:

  1. The Suicide provision is deleted in its entirety.
  2. The following is added to the No Longer Terminally Ill provision:
    Dispute about Diagnosis: If Your attending physician, and a physician appointed by Us, disagree on whether You are Terminally Ill, Our physician,s opinion will not be binding upon You. The two parties shall attempt to resolve the matter promptly and amicably. In case the disagreement is not resolved, You have the right to mediation or binding arbitration conducted by a disinterested third party who has no ongoing relationship with either. Any such arbitration shall be conducted in accordance with the laws of the State of Washington. As part of the final decision, the arbitrator or mediator shall award the costs of the arbitrator to one party or the other, or may divide the costs equally or otherwise.
  3. The Labor Dispute continuation provision is replaced with the following:
    Labor Dispute: If You are not Actively at Work as the result of a labor dispute, all of Your coverages (including Dependent Life coverage) may be continued during such dispute until the last day of the month in which the coverage terminated, but in no event for a period exceeding six months. If the labor dispute ends, this continuation will cease immediately.
  4. The provision titled Policy Interpretation is deleted in its entirety.
  5. The definition of Dependent Child(ren) is amended to include relationships due to domestic partnership.
  6. The following is added to the definition of Spouse:
    Spouse will include Your domestic partner, provided You have executed a domestic partner affidavit satisfactory to Us, establishing that You and Your partner are domestic partners for the purposes of The Policy. You will continue to be considered domestic partners provided You continue to meet the requirements described in the domestic partner affidavit.

For Wisconsin residents:

  1. The dollar amount stated in the Conversion Right provision is changed to $5,000, if not $5,000.
  2. The dollar amounts stated in the second paragraph and the last paragraph of the Claims to be Paid provision are changed to $1,000, if not $1,000.

In all other respects, the Policy and certificates remain the same.