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Family Status Change (FSC) — Family Status Change (FSC) — The Hartford's contract places clarity and <br />Not included Standardly Included parameter around what constitutes a Family <br />Status Changes (FSC} and what changes <br />in coverage are allow. <br />Reinstatement — <br />24-month waiver for probationary period <br />and 6-month waiver pre-existing condition <br />exclusion. <br />'rest of Disability — <br />80% earnings test applies <br />Reinstatement — <br />It is The Hartford's practice to allow a 12- <br />month waiver for probationary period and <br />pre-existing condition exclusion. <br />Test of Disability — <br />No earnings test for first 12 months of <br />disability payments. <br />At The Hartford, If a covered employee <br />loses coverage because they left <br />employment and are rehired within 12 <br />months of their termination date, the <br />Eligibility Writing Period for coverage Is <br />waived, and depending on the <br />condition/timing, they receive partial credit <br />toward any pre-existing condition insured <br />period that they had already satisfied. <br />The Hartford's benefit provides richer <br />coverage for first 12 months. <br />This Is a high-level comparison of your Aetna benefits against The Hartford's benefit availability: it may not reflect differences instate availability, is not aline by line <br />comparison and may not reflect all of the differences between your Aetna contract and your Hartford contract, In making this comparison, The Hartford reviewed key benefit <br />features contained In your Aetna policy to determine whether The Hartford policy forms can achieve substantially the same coverage or meaning as the Aetna prov, slon, <br />although The Hartford language may differ. <br />The Hadforde Is The Hartford Financial Services Group. Inc and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company Home Office Is <br />Hartford, CT. <br />Copyright C 2018 by The Hartford. Confidential. <br />All rights reserved. No part of this document may be reproduced, published or posted without the permission of The Hartford. <br />Disability Form Series includes GBDA 000, GBD-1200, or stale equivalent. Life form Series includes GBD-1000, CBD-1100, or state equivalent. <br />7261a NS 10118 ® 2018 The Hartford Financial Services Group, Inc. All rights reserved. <br />55A-25 <br />