When does coverage begin?

For active Employees, coverage begins on the latest of the Plan effective date, on the first day of the month that occurs on or after the month in which you became eligible for coverage, or the first day of the month occurring on or after the date you applied for coverage. You will not have coverage if you are absent from work because you are injured, sick, temporarily laid off, or on leave of absence when coverage would ordinarily begin. Coverage will resume when you resume active employment.

For Family Members, coverage commences on the later of the Plan effective date, or on the first day of the month following the date the insurance company approves your Application. Family Members will not have coverage if totally disabled on the date coverage would ordinarily begin. For these purposes, Total Disability is the inability due to injury or sickness, to perform each of the duties or activities of a person of the same age and sex in good health.