55A - HARTFORD INSURNACE - Laserfiche WebLink

Home Browse Search

POLICY PROVISIONS Entire Contract The contract between the parties consists of: 1) The Policy; 2) any Certificate(s) of Insurance incorporated and made a part of The Policy; 3) any riders issued in connection with such Certificate(s) of Insurance; 4) the Policyholder's application, if any, a copy of which is attached to and made a part of The Policy when issued; and 5) any individual application submitted by the Employee and accepted by The Company in connection with The Policy. All statements made by the Policyholder, or persons insured under The Policy will be deemed representations and not warranties. No statement made to affect this insurance will be used in any contest unless it is in writing and a copy of it is given to the person who made it, or to his or her beneficiary or personal representative. Incontestability Except for non-payment of premium, the insurance provided by The Policy cannot be contested after such insurance has been in effect for a period of 2 years. Changes The Company reserves the right to make changes in The Policy, after The Policy has been in force for 12 months. The Company will give the Policyholder 31 days advance written notice of any change. No agent has authority to change or waive any part of The Policy. To be valid, any change or waiver must be in writing, approved by one of our officers and made a part of The Policy. Clerical Error Clerical error (whether by the Policyholder, the Plan Administrator, or The Company) in keeping the records having to do with The Policy, or delays in making entries on the records, will not void the insurance of any person if that insurance would otherwise have been in effect. A clerical error will not extend the insurance of any person if that insurance would otherwise have ended or been reduced as provided by The Policy. When a clerical error is found, premiums and benefits will be adjusted based on the true facts and The Policy. Conformity with Law If any provision of The Policy is contrary to the law of the jurisdiction in which it is delivered, such provision is hereby amended to conform to that law. If any change to state or federal law, including but not limited to the Federal Social Security Act, affects The Company's liability under The Policy, The Company may change The Policy, the premiums or both. Such change: 1) will be effective as of the date of the change to the state or federal law; and 2) will not be made until The Company gives the Policyholder 31 days notice. Termination of Policy The Company may terminate The Policy for the following reasons by giving the Policyholder 31 days written notice: 1) the Policyholder fails to furnish information necessary to the administration of the Policy; 2) the Policyholder fails to perform any of its obligations necessary to the administration of this Policy; 3) Less than 100% of the persons eligible for coverage on a Non-contributory basis are insured; 4) Less than 25% of the persons eligible for coverage on a Contributory basis are insured; or 5) Fewer than 10 persons are insured. In addition, The Company may terminate this Policy on any premium due date after The Policy has been in force for 12 months by providing 31 days written notice. If The Policy is terminated, the Policyholder is responsible for providing notice to insureds of their right to convert under The Policy. The Company reserves the right to terminate Dependent Life Insurance Benefits on any premium due date on which: 1) there are fewer than 10 persons insured for Dependent coverage; or 2) less than 25% of the persons eligible for Dependent coverage on a Contributory basis are insured. The Company shall give the Policyholder 31 days notice of its intent to terminate the Dependent Life Insurance Benefit. Form GBD-1000 A (10/08) (CA) 8 55A-13