What is the insureds responsibility with regard to notifying the insurance company of a loss under a disability policy?

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UNIFORM PROVISIONS 1. ENTIRE CONTRACT, CHANGES: This policy, including the en. 7. TIME OF PAYMENT OF CLAIMS: Indemnities payable under dorsements abd the attached papers, if any, constitute the entire con- this policy for any loss other than loss for which this policy provides tract of insurance. No change in this policy shall be valid until ap- any periodic payment shall be paid immediately upon receipt of due proved by an exccutive officer of the Company and unless such ap- writton proof of such loss. Subject to due written proof of loss, all proval te eodorsed brreon or attached hereto. No agent has autbority accrued indemnities for loss for which this policy provides periodic to change this policy or to waive any of its provisions.

payment shall be paid every 4 weeks and any belance remaining un2. TIME !IMIT ON CERTAIN DFFENSES: (a) After two years

paid upon the termination of liability shall be paid immediately upon from the date of issue of this policy, Bo misstatements, except fraudu

receipt of due written proof. kent misstatensats, made by tbe applicant in the application for such

8. PAYMENT OF CLAIMS: Indemnity for loss of life, if any shall policy shall be used to void the policy or to deny a claim for loes in

be payable in accordance with the beneficiary designation and the aired or disability (as defined in the policy) commencing after the

provisions respecting such payment which may be prescribed herein expiration of such two-year period.

and effective at the time of payment. If no such designation or pro(b) No claim for loss incurred or disability (as defined in the policy)

vision is then effective, such indemnity shall be payable to the estate commencing after two years from the date of issue of this policy shall

of the Insured. Any other accrued indemnities unpaid at the Insured's be reduced or denied on the ground that a disease or physical condi

death may, at the option of the Company, be paid either to such benetios sot excluded from coverage by name or specific description effec

fciary or to such state. All other indemnities shall be payable to the sive on the date of loss had existed prior to the effective date of cover

Insured. age of this policy. 3. GRACE PERIOD: A grace period of thirty-one (31) days will be

If any indemnity of this policy shall be payable to the estate of granted for the payment of cach preraium falling due after the first

the Insured, or to an Insured or Beneficiary who is a minor or otherpremium, during which grace period the policy shall continue in force.

wise not competent to give a valid release, the Company may pay 4. NOTICE OF CLAIM: Written notice of claim must be given to

such indemnity, up to an amount not exceeding $1,000,00 to any relathe Corapany within 20 day after the occurrence or commencement

tive by blood or connection by marriage of the Insured or Beneficiary of any loss covered by the policy, or as soon thereafter as is reason

who is deemed by the Company to be equitably entitled thereto. Any ably pissible. Subject to the qualifications set forth below, if the

payment made by the Company in good faith pursuant to this proInsured suffers loss of time on account of disability for which in

vision shall fully discharge the Company to the extent of such paydernity may be payable for at least 2 yean, he shall, at least once

ment. Subject to any written direction of the Insured in the applicain every six months after having given notice of claim, give to the

tion or otherwise all or a portion of any indemnities provided by this Campaay notice of continuadre of said disability, except in the event

policy on account of hospital, oursing, medical or surgical services, if of Irgal incapacity. The period of 6 months following any filing of

any, may, at the Company's option and unless the Insured requests proof by the Isored or any payment by the Company on account of

otherwise in writing pot later than the time of filing proofs of such fach claim or any denial of liability in whole or in part by the Com

loss, be paid directly to the hospital or person rendering such services; pany shall be excluded in applying this provision. Delay in the giving

but it is not required that the service be rendered by a particular hosof such notice shall not impair the Insured's right to any indemnity

pital or person. which would otherwise have accrued during the period of 6 months

9. PHYSICAL EXAMINATIONS: The Company at its own expense preceding the date on which such notice is actually given. Notice

shall have the right and opportunity to examine the person of the InEven by or on behalf of the Insured or the beneficiary to the Com

sured when and as often as it may reasonably require during the pany at its home office, or to any authorized ageat of the Company,

pendency of a claim hereunder. with information sufficient to identify the Insured, shall be deemed notice to the Company.

10. LEGAL ACTIONS: No action at law or in equity shall be 5. CLAIM FORMS: The Company, upon receipt of a notice of

brought to recover on this policy prior to the expiration of 60 days claim shall furnish to the claimant such forms as are usually furnished

after written proof of loss has been furnished in accordance with the by it for filing prools of loss. It euch forms are not furnished within

requirements of this policy. No such action shall be brought after the 15 days after the giving of such notice the claimant shall be deemed

expiration of 6 years after the time written proof of loss is required

to be furnished. to have complied with the requirements of this policy as to proof of lats upon subanitting, within the time fixed in the policy for filing 11. CHANGE OF BENEFICIARY: Unless the Insured makes an proofs of loss, written proof covering the occurrence, the character irrevocable designation of beneficiary, the right to change of beneand the extent of the loss for which claim is made.

ficiary is reserved to the Insured and the consent of the beneficiary 6. PROOFS OF LOSS: Written proof of loss must be furnished to

or beneficiaries shall not be requisite to surrender or assignment of thi Coopcoy at is said office in case of claim for loss for which this this policy or to any change of beneficiary or beneficiaries, or to any policy provides any periodic payment contingent upon continuing loss other changes in this policy, wida 90 days after the termination of the period for which the Com

12. MISSTATEMENT OF AGE: If the age of the Insured has been pany is liable and in case of claim for any other loss within 90 days

misstated all amounts payable under this policy shall be such as the after the date of such loss. Failure to furnish such proof within the

premium paid would have purchased at the correct age. time required shall not invalidate por reduce any claim if it was not reasonably possible to give proof within such time, provided such 13. CONFORMITY WITH STATE STATUTES: Any provision of proof is furnished as soon as reasonably possible and in no event, ex- this policy which, on its effective date, is in conflict with the statutes cept in the absence of legal capacity, later than one year from the of the State in which the Insured resides on such date is bereby tímc proof is otherwise required.

amended to conform to the minimum requirements of such statutes.

ADDITIONAL PROVISIONS Other Lasurance in This Company: If a like policy of policies, previously issued by the Company to the Insured, be in force concurrently berewith, making the aggregate indemnity for loss of time on account of disability in excess of two hundred dollars monthly, the excess insurance shall be void, and all premiums paid for such excess shall be returned to the Insured. The issurance under this policy shall not cover any person under the age of sixteen years oor over the age of seventy years. Any premium paid to the Company for any period not covered by this policy will be returned upon request.