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ELIGIBILITY ELIGIBLE CLASSES. The classes of Employees eligible for insurance are shown in the Schedule of Benefits. The loompany has the right to review and terminate any or all classes eligible under this Policy, if any class ceases to be overed by this Policy. ELIGIBILITY DATE. An Employee becomes eligible for coverage provided by this Policy on the later of: 1. the Policy's effective date; or 2. the date the Employee satisfies the Waiting Period. Prior service in an Eligible Class will apply toward the Waiting Period, when: 1. a former Employee is rehired within one year after his or her employment ends; or 2. an Employee returns from a Family or Medical Leave within the leave period required by federal or state law (whichever is greater). EFFECTIVE DATES EFFECTIVE DATE. Except as stated in the Delayed Effective Date provision, coverage for an Employee becomes effective at 12:01 a.m. on the latest of: 1. the first day of the Insurance Month coinciding with or next following the date the Employee becomes eligible for coverage; 2. the date the Employee makes written application for coverage; and signs: (a) a payroll deduction order, if the Employees pay any part of the Policy premiums; or (b) an order to pay premiums from the Employee's Flexible Benefits Plan account, if premiums are paid through such an account; or 3. the date the Company approves the Employee's evidence of insurability, if required. Evidence of insurability satisfactory to the Company must be submitted (at the Employee's expense) if: • 1. written application for coverage (or an increased amount of coverage) is made more than 31 days after the Employee becomes eligible for such coverage; 2. coverage is elected after the Employee has requested: (a) to terminate the insurance; (b) to stop payroll deductions for the insurance; or (c) to stop premium payments through a Flexible Benefits Plan account; 3. coverage is elected after the Employee has caused insurance to lapse by failing to pay the required premium when due; or 4. optional, supplemental, voluntary or Buy -Up Benefit coverage is elected in excess of any guaranteed issue amounts shown in the Schedule of Benefits. DELAYED EFFECTIVE DATE. An Employee's Effective Date of any initial, increased or additional coverage will be delayed; if such Employee is not Actively -at -Work on the date that coverage would otherwise be effective. Coverage will take effect on the Employee's second consecutive day of Active Work. r1 L_J GL3001 -LTD -9 94 13 01/01/01