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ReliaStar Life Insurance Company

CERTIFICATE BOOKLET RIDER

Applicable to Minnesota Residents

Minnesota law requires the following benefits be provided to Minnesota residents.

  • I.

    TMJ Coverage

    • 1.

      The following provision is added to your certificate:

Coverage for surgical and nonsurgical treatment of temporomandibular joint disorder (TMJ) and craniomandibular disorder is included as a covered benefit under Type III expenses, subject to the plan deductibles and maximums listed on the Schedule of Benefits. Treatment for TMJ and craniomandibular disorders must be provided by a doctor or dentist.

  • 2.

    The following exclusion is deleted if it appears in your certificate:

    • Treatment for temporomandibular joint dysfunction (TMJ).

  • II.

    Definitions

    • 1.

      If your plan does not cover domestic partners, the following definition

of Dependent applies.

Dependent -

  • your lawful spouse.

  • your unmarried child less than 19 years of age.

  • your unmarried child 19 years of age but less than 25 years of age who is a student dependent.

  • your grandchild who resides with you continuously from birth and is your dependent.

The term "dependent" does not include -

  • a spouse, child or grandchild living outside the United States.

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