Common use of Absence of application Clause in Contracts

Absence of application. An eligible employee who refuses or omits to complete an application is automatically insured under the participants’ basic life insurance and basic AD&D insurance and the long-term disability insurance plan. The same provisions apply to an employee who is unable to complete an insurance application, but in this case, the spouse’s and dependent children’s life insurance is granted based on her marital status. Any later request to add coverage takes effect on the date the request is signed or on the date of the Insurer’s approval of the evidence of insurability for the relevant insurance coverage.