STD-2 MP0000819539 Future Enrollment Annual enrollment • Newly Eligible Employees - may enroll on a GI basis. • Late Entrants - may apply using simplified issue underwriting. • Coverage Increases - current participants may increase coverage on a GI basis up to the maximum GI benefit amount. Open Enrollment • Approved by Wellfleet Underwriting, all eligible employees may enroll in coverage on a GI basis up to the maximum GI benefit amount. Perpetual enrollment • Newly Eligible Employees - may enroll on a GI basis as they become eligible. • Late Entrants - may only apply at annual enrollment using simplified issue underwriting or during an approved open enrollment using GI underwriting. • Coverage Increases - are only allowed during annual enrollment, within 30 days of a qualifying life event, or during an approved open enrollment using GI underwriting.