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Events happen in life and can affect your coverage. Make sure you know when you lose your coverage and what steps to take to make sure you can keep it.
This brochure is designed to assist you in understanding the administrative appeals process as it relates to ETF. It is not intended to substitute for the legal advice or assistance of an attorney.
A benefit may be paid during your lifetime or upon your death. You or your beneficiary must make sure to follow the correct steps to receive your benefit.