Time Limit on Certain Defenses. The policy’s Time Limit On Certain Defenses provision will apply to this rider as of the effective date of this rider.
Time Limit on Certain Defenses. Relative to a misstatement in the Application, after two years from the issue date, only fraudulent misstatements in the Application may be used to void the Contract or deny any Claim for a loss occurred or disability starting after the two-year period.
Time Limit on Certain Defenses. After two years from the later of the Policy Effective Date or its most recent Reinstatement Date (if an application for Reinstatement was required), no misstatements, except fraudulent misstatements, made by you or the Owner in the application for the policy or for reinstatement shall be used to rescind the policy or to deny a claim for Disability starting after the end of such two-year period. No claim for Disability starting after two years from the later of the Policy Effective Date or its most recent Reinstatement Date (if an application for Reinstatement was required) will be reduced or denied on the ground that a disease or physical condition existed before such date, unless it is specifically excluded by name or specific description, or there was fraudulent misstatement in the application for the policy or for reinstatement. If you apply for an increase in coverage under this policy, this provision will apply to statements made in the application for the increase; and the two-year period will begin on the date the underwritten increase becomes effective and will apply only to the amount of the increase. LEGAL ACTION Legal action cannot be brought against us until at least 60 days following the date we receive Proof Of Loss. Also, legal action may not be brought against us after three years from the date written proof is required under Proof Of Loss. MISSTATEMENTS If your Issue Age or gender has been misstated, any benefits will equal those that the premiums paid would have purchased at your correct Issue Age and gender.
Time Limit on Certain Defenses. After 3 years from the date of the Agreement, no misstatements, except fraudulent misstatements, made by the Member in the Application for this Agreement shall be used to void the Agreement or to deny a claim.
Time Limit on Certain Defenses. The policy’s Time Limit On Certain Defenses provision will apply to this rider as of the effective date of this rider. PART OF POLICY This rider is part of the policy to which it is attached. All policy terms and conditions will apply to this rider if they have not been changed by this rider and do not conflict with this rider. STANDARD INSURANCE COMPANY By Xxxxxx X. XxXxxxxx President and CEO Xxxxxxxxx X. Xxxxx Corporate Secretary This rider changes the policy’s definition of total disability to mean that you’ll be considered totally disabled if you can’t perform with reasonable continuity the acts of your regular occupation in the usual and customary way, even if you’re earning money in another occupation. Your regular occupation may include a professionally recognized specialty in medicine, dentistry or law as a trial attorney. STANDARD INSURANCE COMPANY OWN OCCUPATION RIDER This rider changes the definition of Total Disability/Totally Disabled in the policy’s BENEFIT FOR TOTAL DISABILITY section to read as follows: Total Disability/Totally Disabled means that due to your Injury or Sickness you are unable to perform with reasonable continuity the Substantial And Material Acts necessary to perform your Regular Occupation in the usual and customary way. If you are a physician or dentist and have limited your Regular Occupation to the performance of the Substantial And Material Duties of a single specialty recognized by the American Board of Medical Specialties (ABMS) or American Osteopathic Association Bureau of Osteopathic Specialists (AOABOS) or American Dental Association (ADA), then that specialty will be deemed your Regular Occupation. If you are an attorney and have limited your Regular Occupation to the performance of the usual and customary activities of a trial attorney, then trial attorney will be deemed your Regular Occupation. The usual and customary activities of a trial attorney are personal participation in: civil or criminal trials, administrative rule making or contested case hearings, Workers’ Compensation hearings, arbitration and mediation hearings, and the taking or defending of depositions. No legal specialty other than trial attorney will be accepted as a Regular Occupation for the purposes of this rider.
Time Limit on Certain Defenses. After two years from the date of issue of this contract, no misstatement, except fraudulent misstatements, made by you in your application for this contract shall be used to void this contract or to deny a claim for loss incurred or disability commencing after the expiration of such two year period.
Time Limit on Certain Defenses. After 2 years from the effective date of coverage no misstatements, except fraud or intentional misrepresentation of material fact, made by the applicant in the application for coverage shall be used to void the coverage or to deny a claim for loss incurred or disability commencing after the end of the 2-year period. No claim for loss incurred or disability commencing after the date of issue of this policy will be reduced or denied on the grounds that a disease or physical condition existed prior to the effective date of coverage of this policy. This policy contains no pre-existing conditions. Conformity with Applicable Law Any provision of the Policy which, on its Effective Date, is in conflict with an applicable federal or state law, is amended to conform with the minimum requirements of that law. If You Receive Covered Health Services from a Network Provider We pay Network providers directly for your Covered Medical Expenses. If a Network provider bills you for any Covered Medical Expenses, contact us. However, you are responsible for meeting any applicable deductible and for paying any required Copayments and Coinsurance to a Network provider at the time of service, or when you receive a bill from the provider. If You Receive Covered Health Services from a Non-Network Provider This Policy does NOT pay benefits for Covered Medical Expenses from a non-Network provider, except for an Emergency or if we refer you to a Non-Network provider. You are responsible for requesting payment from us. You must file the claim in a format that contains all the information we require, as described below. Proof of Loss Written proof of claim must be given to the Company within 90 days from the date the expense was incurred or as soon as is reasonably possible. After receipt of a written notice of claim, the Company will furnish the claimant with forms for filing a proof of claim. If the forms are not furnished within 15 days after the written notice of claim was filed, the claimant shall be deemed to have complied with the requirement for filing proof of claim by virtue of having filed the written notice of claim. Written proof of claim must be given to the Company by the end of the Plan Year following the Plan Year in which the expense was incurred. However, when the Insured’s coverage terminates for any reason, written proof of claim must be given to the Company within 60 days of the date of termination of coverage, provided that the Policy remains in force. Claims wil...
Time Limit on Certain Defenses. The policy’s Time Limit On Certain Defenses provision will apply to this rider as of the Rider Effective Date. PART OF POLICY This rider is part of the policy to which it is attached. All policy terms and conditions will apply to this rider if they have not been changed by this rider and do not conflict with this rider. STANDARD INSURANCE COMPANY By X. Xxxx Xxxx President Xxxxxx X. Xxxxxxxx Corporate Secretary ICC17-PR206(07/17) STANDARD INSURANCE COMPANY STUDENT LOAN RIDER If you become Totally Disabled under the policy and you meet the requirements of this rider, we will pay a Student Loan Benefit. If you become totally disabled, we’ll reimburse all or a portion of your student loan payments so you don’t fall behind.
Time Limit on Certain Defenses. The policy’s Time Limit On Certain Defenses provision will apply to this rider as of the Rider Effective Date. Your premium will increase as your basic monthly benefit increases. The change in the amount you pay will be based on your age on each increase date and your original risk class.
Time Limit on Certain Defenses. (a) After two years from the Effective Date of this Policy, no misstatement of a Covered Person, except a fraudulent misstatement made in the application, shall be used to void this Policy. After two years from the Effective Date of the coverage with respect to any claim which is made, no misstatement of a Covered Person, except a fraudulent misstatement contained in a written instrument signed by a Covered Person, shall be used to deny a claim for loss incurred commencing after expiration of such two years.
