LIFESTORE DENTAL INSURANCE

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Who is eligible for coverage?

This plan is offered to individuals ages 18 and over, their spouses, and their eligible dependents (unmarried children from birth to age 19 or 23 if a full-time student – this is subject to state requirements). Coverage may also be obtained by individuals and their spouses ages 65 and older.

 

An individual will become eligible for coverage under the Policy upon meeting all the following requirements:

 

1. the individual is a member of the Group to which the Policy is issued;
2. the individual has submitted a written request, upon a form approved by Us, seeking to apply for coverage under the Policy as an Insured Person;
3. the individual is insurable pursuant to Our then current underwriting guidelines; and
4. the individual must be a permanent resident of the United States.

 

Dependent Insurance

A Dependent of the Insured Person will become eligible for coverage under the Policy upon meeting all of the following requirements:

 

1. the individual otherwise meets the definition of Dependent;
2. the Insured Person has submitted a written request, upon a form approved by Us, seeking to apply for coverage on the individual, under the Policy as a Dependent;
3. the individual is insurable pursuant to Our then current underwriting guidelines; and
4. the individual must be a permanent resident of the United States.

 

Under this Section, all evidence that the individual is insurable pursuant to Our current underwriting guidelines shall be provided without expense to Us.

 

How soon can my coverage start?

Coverage starts on the effective date. The effective date issued will begin on the first of the month (at 12:00 a.m.) following Lifestore Insurance’s receipt of the completed Enrollment Form and payment of the first month of premium.