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The Policy does not constitute comprehensive health insurance coverage (often referred to as “major medical insurance coverage”) . In addition, the Policy does not satisfy the requirement of minimum essential coverage under the Affordable Care Act. Benefits are paid under the Policy for Covered Accidents as indemnity insurance and are not intended to cover medical expenses.  \nReliaStar Life Insurance Company certifies that we have issued the group Policy listed above to the Policyholder. The Policy is available for you to review if you contact the Policyholder for more information. This is your Certificate as long as you are eligible for coverage and you become insured. Please read it carefully and keep it in a safe place.  \nREAD YOUR CERTIFICATE CAREFULLY. The Policy is a legal contract between the Policyholder and ReliaStar Life Insurance Company. This Certificate summarizes and explains the parts of the Policy which apply to you. The Certificate is part of the group Policy but by itself is not a policy. Your coverage may be changed under the terms and conditions of the Policy. The Policy is delivered in and is governed by the laws of the governing jurisdiction and to the extent applicable by the Employee Retirement Income Security Act of 1974 (ERISA) and any amendments.  \nImportant Cancellation Information-Please Read The Provisions Entitled \"TERMINATION OF COVERAGE\" and“POLICY TERMINATION” Found in the General Provisions Section of the Certificate.  \nFor purposes of effective dates and ending dates under the Policy, all days begin at 12:01 a. m. standard time at the Policyholder's address and end at 12:00 midnight standard time at the Policyholder's address.  \nThe coverage under the Policy is conditionally renewable according to the terms and provisions of the Policy.  \nIn this Certificate, “you” and “your” refer to an Employee who is eligible for coverage under the Policy; “we”, “us” and“our” refer to ReliaStar Life Insurance Company.  \nExclusions may apply. Please read your Certificate carefully.  \nTHIS CERTIFICATE IS NOT A MEDICARE SUPPLEMENT POLICY OR CONTRACT. If you are eligible for Medicare, review the Guide to Health Insurance for People with Medicare available from the company.  \nSigned for ReliaStar Life Insurance Company at its home office in Minneapolis, Minnesota on the Policy effective date.  \nCarolyn M. Johnson President  \nJennifer M. Ogren Secretary  \nD2710a 1 D2710 (04/23)  \nTABLE OF CONTENTS  \nSection Page  \nCover Page .......................................................................................................................................................... 1  \nTable of Contents ................................................................................................................................................ 2  \nSchedule of Benefits ............................................................................................................................................ 3  \nDefinitions ............................................................................................................................................................ 7  \nGeneral Provisions .............................................................................................................................................. 9  \nAccident Benefits ..........................................................................................................","cbCaijbHKB7fgHVO","https://ap.wps.com/l/cbCaijbHKB7fgHVO","pdf",937923,38,"English","# TABLE OF CONTENTS\n## Cover Page\n## Table of Contents\n## Schedule of Benefits\n## Definitions\n## General Provisions\n## Accident Benefits\n## Exclusions\n## Claims","[{\"question\":\"Who is eligible for coverage under this Low Plan?\",\"answer\":\"Eligible employees are those working at least 20 hours per week in active employment with participating State government departments, institutions, or agencies. Temporary and seasonal workers are excluded.\"},{\"question\":\"When does coverage become effective and how are days determined?\",\"answer\":\"The policy effective date is January 1, 2018. For effective and ending dates under the policy, days begin at 12:01 a.m. standard time and end at 12:00 midnight standard time at the policyholder’s address.\"},{\"question\":\"Is this policy the same as comprehensive health insurance or Medicare supplement coverage?\",\"answer\":\"No. The certificate states it is limited benefit indemnity coverage, not comprehensive “major medical” coverage, and it is not a Medicare supplement policy or contract.\"}]","YOUR ACCIDENT INSURANCE PLAN - Low Plan - GROUP ACCIDENT INSURANCE CERTIFICATE OF COVERAGE | PDF",1790758616,96]