THE BENEFIT. If an employee dies while insured for the benefit and while his Dependents are covered under this policy, the health plan provider will continue the Dependent coverage for a period of up to 2 years. The Benefit Schedule shows which Dependent coverage will be continued under this benefit. Premium payments will be waived for this continued coverage. Insurance Coverage Continued The coverage continued on a Dependent will be the same as that which was in effect on the date of the Employee’s death. This insurance will be subject to any age reduction or termination shown in the policy at that time.
THE BENEFIT. What is gained from an uncompromising prohibition against pets that are confined to an owner’s unit and create no noise, odor, or nuisance? To the extent such animals are not seen, heard, or smelled any more than if they were not kept in the first place, there is no corresponding or concomitant benefit. Pets that remain within the four corners of their owners’ condominium space can have no deleterious or offensive effect on the project’s common areas or any neighboring unit. Certainly, if other owners and residents are totally unaware of their presence, prohibiting pets does not in any respect xxxxxx the “health, happiness [or] peace of mind” of anyone except the homeowners association’s board of directors, who are thereby able to promote a form of sophisticated bigotry. In light of the substantial and disproportionate burden imposed for those who must forego virtually any and all association with pets, this lack of benefit renders a categorical ban unreasonable under Civil Code section 1354. The proffered justification is all the more spurious when measured against the terms of the pet restriction itself, which contains an exception for domestic fish and birds. A squawking bird can readily create the very kind of disturbance supposedly prevented by banning other types of pets. At the same time, many animals prohibited by the restriction, such as hamsters and the like, turtles, and small reptiles, make no sound whatsoever. Disposal of bird droppings in common trash areas poses as much of a health concern as cat litter or rabbit pellets, which likewise can be handled in a manner that avoids potential problems. Birds are also known to carry disease and provoke allergies. Neither is maintaining fish without possible risk of interfering with the quiet enjoyment of condominium neighbors. Aquarium water must be changed and disposed of in the common drainage system. Leakage from a fish tank could cause serious water damage to the owner’s unit, those below, and common areas. Defendants and the majority purport such solicitude for the “health, sanitation and noise concerns” of other unit owners, but fail to explain how the possession of pets, such as plaintiff’s cats, under the circumstances alleged in her complaint, jeopardizes that goal any more than the fish and birds expressly allowed by the pet restriction. This inconsistency underscores its unreasonableness and discriminatory impact.12
THE BENEFIT. We will provide the benefits described below upon each of the following events: 3a. Death of a Child. We will pay the amount of Child Term Insurance shown for this rider on page 5-CIB to the Child's beneficiary upon receiving proof that the death of the Child occurred before: 1) This rider has terminated; and 2) The Rider Anniversary next after the Child's 21st birthday. 3b. Death of the Insured. Upon receiving proof that the death of the Insured occurred before this rider terminated, any Child Term Insurance then in force will become Child Paid-Up Term Insurance to the Rider Anniversary after the Child's 21st birthday. The amount of Child Paid-Up Term Insurance is the same as the amount of Child Term Insurance. 4. MONTHLY COST. The monthly cost for this rider is shown on page 5-CIB. It is deducted only while at least one child is insured under this rider. If there are no children insured under this rider on the date of birth or adoption of any child, you must give us Written Notice of birth or adoption before the sixth Monthly Anniversary after that date. The monthly cost will then be deducted beginning on the sixth Monthly Anniversary after the date of birth or adoption. If the required notice is not given, insurance on that Child will terminate on that sixth Monthly Anniversary. 5.
THE BENEFIT. This rider increases the Face Amount of this contract. Increases are effective on each Contract Anniversary after the date of issue of this rider, provided this rider is then in force. The amount of the increase is determined on each Contract Anniversary. It is the smallest of: 1) The CPI Increase; 2) 10% of the Eligible Face Amount on the day before the increase, rounded to the nearest $1,000. The Eligible Face Amount is that part of the Face Amount with Premium Class which is not rated; and 3) $100,000. However, no increase will be made if the amount determined above is less than $1,000. The Premium Class for the increase in Face Amount will be the same as for this contract. 4.
THE BENEFIT. Upon receiving proof that Total Disability has continued for six consecutive months, we will credit premiums to this contract on each Monthly Anniversary during the Benefit Period while Total Disability continues. The premium credited on a Monthly Anniversary will be equal to the greater of: 1) One-twelfth of the Selected Amount on the date Total Disability began; and 2) The amount which provides the Monthly Deduction for that Monthly Anniversary. In addition, for each Monthly Anniversary that occurred during the Benefit Period but before we received proof of Total Disability, we will credit the greater of: 1) A premium equal to one-twelfth of the Selected Amount on the date Total Disability began; and 2) A Net Premium equal to the Monthly Deduction on that Monthly Anniversary. This amount will be credited on the day your claim for waiver is approved by us. Unless this contract terminates due to excess loan, each premium credited will continue this contract in force until the next Monthly Anniversary. 4.
THE BENEFIT. 1) You may increase the Face Amount of this contract as provided in Paragraph 4 Increase Option. 2) We will pay the amount of any Term Insurance (see Paragraph 5) in force under this rider to the beneficiary as part of the Death Proceeds upon receiving proof that the death of the Insured occurred before this rider terminated. 4. INCREASE OPTION. 4a. Increase in Face Amount. An option to increase the Face Amount of this contract will become effective on each Fixed Increase Option Date and each Additional Increase Option Date (see paragraphs 4c and 4d) if less than the Maximum Number of Options have been used to increase the Face Amount. Each option will be in effect for 90 days after the effective date of the option but will terminate earlier upon: 1) The date the Face Amount is increased under this rider; or 2) The date this rider terminates. 4b. Maximum
THE BENEFIT. We will pay to the beneficiary as part of the Death Proceeds the Accidental Death Benefit shown on page 5-ADB upon receiving proof that the death of the Insured: 1) Resulted from accidental bodily injury directly and independently of all other causes; 2) Occurred within 120 days of the date of injury; and 3) Occurred before this rider terminated. 4. DEATHS
THE BENEFIT. In the section titled The Benefit, the sentence: If this contract terminates because the Guaranteed Withdrawal Amount that is surrendered exceeds the Accumulated Value, we will pay you the Guaranteed Withdrawal Amount each year while the Annuitant is living under a settlement agreement that we will issue. Is amended to read: If this contract terminates because the Guaranteed Withdrawal Amount that is surrendered exceeds the Accumulated Value, we will pay you the Guaranteed Withdrawal Amount each year while at least one Covered Person is living under a settlement agreement that we will issue. And the sentence: If the Annuitant dies before the sum of payments made under that agreement is equal to the GLWB Survivor Benefit on the date the contract terminates, payments will continue to the beneficiary until the sum of payments made is equal to the GLWB Survivor Benefit. Is amended to read: If the last surviving Covered Person dies before the sum of payments made under that agreement is equal to the GLWB Survivor Benefit on the date the contract terminates, payments will continue to the beneficiary until the sum of payments made is equal to the GLWB Survivor Benefit. WM-LF-XXXX (17) page 2 Contract Number: CONTRACT.N AMENDATORY AGREEMENT FOR GUARANTEED LIFETIME WITHDRAWAL BENEFIT RIDER (continued)
THE BENEFIT. We will pay an Accelerated Benefit if you give us Written Notice requesting the benefit and we receive proof satisfactory to us that the Insured: 1) Has a life expectancy of twelve months or less; or 2) Has been confined in a Nursing Home, due to a condition which usually requires continuous confinement, for at least six consecutive months and confinement is expected to continue for the lifetime of the Insured. Proof must include certification by a Doctor. We may, at our expense, require independent medical verification. You may elect to receive all or part of the Eligible Amount (see Paragraph 4) as an Accelerated Benefit. Payment of an Accelerated Benefit is subject to the Conditions of Payment (Paragraph 7). The benefit will be paid in a lump sum. With our approval, you may instead elect to have the Accelerated Benefit paid in equal periodic payments over a fixed period. The minimum periodic payment is $500. If the Insured dies before all periodic payments have been made, we will pay to the beneficiary the present value of the remaining payments, calculated based on the same interest rate as that used to determine the periodic payments. WR3-VX-ACCB-1 (97)