RIGHT TO EXAMINE AND CANCEL Sample Clauses
The "Right to Examine and Cancel" clause grants a party, typically a consumer, the ability to review a contract or policy for a specified period after receiving it and to cancel without penalty if they are not satisfied. This period, often called a "free look" or "cooling-off" period, allows the individual to thoroughly assess the terms and conditions, and if they choose to cancel within this window, they are usually entitled to a full refund of any payments made. The core function of this clause is to protect consumers from being bound by unfavorable terms they may not have fully understood at the time of signing, thereby promoting fairness and informed decision-making.
RIGHT TO EXAMINE AND CANCEL. You may cancel this Contract by delivering or mailing a written notice to GHI or an agent of GHI, no later than the tenth day after you receive this Contract. Notices may be delivered or sent to GHI Attn.: Membership Accounting, ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇, ▇.▇. Box 1309, Minneapolis, MN 55440-1309. Notice of cancellation given by mail and return of Contract given by mail are effective if they are properly addressed, postage prepaid and postmarked within the ten day time period shown above. GHI will return all payments made for this Contract, including fees or charges, within ten days after receipt of notice of cancellation. This Contract will be considered void from the effective date of coverage, and you will be in the same position as if this Contract had never been issued to you. However, any claims incurred by an insured prior to cancellation will be the member’s responsibility. CON-103.7 GHI IND OMKTHSAS 1-21 Statement of Nondiscrimination for Health Plan Members We follow Federal civil rights laws. We do not discriminate on the basis of race, color, national origin, age, disability or sex. We do not exclude people or treat them differently because of their race, color, national origin, age, disability or sex, including gender identity. Call ▇-▇▇▇-▇▇▇-▇▇▇▇ if you need language or other communication help. (TTY: 711) Contact the Civil Rights Coordinator at ▇-▇▇▇-▇▇▇-▇▇▇▇ or ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. If you believe that we have not provided these services or have discriminated against you because of your race, color, national origin, age, disability or sex, you can file a grievance by contacting the Civil Rights Coordinator at ▇-▇▇▇-▇▇▇-▇▇▇▇, integrityandcompliance@ ▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or Civil Rights Coordinator, Office of Integrity and Compliance, MS 21103K, ▇▇▇▇ ▇▇▇▇ ▇▇▇. S., Bloomington, MN 55425. You can also file a civil rights complaint with the U.S. Department of Health and Human Services, Office for Civil Rights, electronically through the Office for Civil Rights Complaint Portal, available at ▇▇▇▇▇://▇▇▇▇▇▇▇▇▇. ▇▇▇.▇▇▇/▇▇▇/▇▇▇▇▇▇/▇▇▇▇▇.▇▇▇, or by mail or phone at: U.S. Department of Health and Human Services Room 509F, HHH Building ▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇, ▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ 1-800-368-1019, ▇▇▇-▇▇▇-▇▇▇▇ (TDD)
RIGHT TO EXAMINE AND CANCEL. You may cancel this Contract by delivering or mailing a written notice to HealthPartners, Inc. or an agent of HealthPartners, Inc., no later than the 10th day after you receive this Contract. Notices may be delivered or sent to HealthPartners, Attn.: Membership Accounting, ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇, ▇.▇. ▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇. Notice of Cancellation given by mail and return of Contract given by mail are effective if they are properly addressed, postage prepaid and postmarked within the 10-day time period shown above. HealthPartners, Inc. will return all payments made for this Contract, including fees or Charges, within 10 days after receipt of Notice of Cancellation. This Contract will be considered void from the effective date of coverage, and you will be in the same position as if this Contract had never been issued to you. However, any claims incurred by a Member prior to Cancellation will be the Member’s responsibility. Membership Contract 2 Identification Card 2 Assignment of Benefits 3 Enrollment Payments 3 Benefits 3 Changes in Benefits 3 Amendments to This Contract 3 Conflict with Existing Law 3 How to Use the Network 4 Disclosure of Payments for Health Care Services 6 Step Therapy Override Process 6 Rights and Protections Under the No Surprises Act 6 Out-of-Network Provider Balance Billing Prohibition 7 Mental Health Parity and Addiction Equity Act 8 Prior Authorization of Services 8 Predetermination of Pediatric Dental Benefits 8 Access to Records and Confidentiality 9 Determination of Coverage 11 Complaints 11 Rights of Reimbursement and Subrogation 14 Coordination of Benefits 14 Medicare and This Contract 17 Effective Date 17 Eligibility 17 Changes in Coverage 18 Voluntary Termination 18 Involuntary Termination 18 Termination for Cause 19
RIGHT TO EXAMINE AND CANCEL. This Policy. You may examine this Policy and if for any reason You are not satisfied with it You may cancel it by returning this Policy with a Written Notice for cancellation to Our Administrative Office, or to the agent who sold it, no later than 10 days after You receive it. If You do this, We will refund the Premiums that were paid on this Policy. NO BENEFIT IS PAYABLE UNDER THIS POLICY ON THE DEATH OF THE FIRST INSURED TO DIE, EXCEPT AS MAY BE PROVIDED BY A RIDER. HOWEVER, YOU MUST PROMPTLY NOTIFY US OF THE DEATH OF THE FIRST INSURED TO DIE, AND YOU MUST PROVIDE AN AUTHORIZATION TO ALLOW US TO OBTAIN AND DISCLOSE INFORMATION CONCERNING SUCH FIRST DEATH. /s/ Elizab▇▇▇ ▇. ▇▇▇▇ /s/ Gerald ▇▇▇▇▇▇▇ Secretary President -------------------------------------------------------------------------------- Sections Page --------------------------------------------------------------------------------
RIGHT TO EXAMINE AND CANCEL. You have the right to examine and to cancel the Contract. You may return the Contract within 10 days of the date it is received to either our Home Office or to the agent through whom it was purchased. If you were 65 years of age as of the date the application was signed, or if this Contract was a replacement of another annuity contract, then that period of time will be extended to 30 days. When we receive the Contract, we will cancel the Contract and refund the full Contract Value plus any fees or charges that were assessed since the Issue Date of this Contract. This page, the following pages, and any incorporated endorsements make up the entire Contract. This Contract is a legal contract and constitutes the entire legal relationship between you and us. Individual Variable Deferred Annuity Contract • Flexible Premiums • Death Benefit Available • Annuity Income Options Available • Participating Contract Schedule 3 Terms and Definitions 5 Parties to the Contract 6 General Provisions 6 Premiums 8 Separate Account 8 Fees and Charges 10 Transfers 10 Surrenders 11 Death Benefits 11 Annuitizations 12 Fixed and Variable Income Option Tables 15 CONTRACT NUMBER: [123456789] ISSUE DATE: [05/01/07] PLAN TYPE [IRA, NON-QUALIFIED, SIMPLE IRA, SEP, R▇▇▇ ▇▇▇, 401, 403(B) MATURITY DATE: [05/01/47] OWNER: [J▇▇▇ ▇▇▇] SEX: [M] AGE AT ISSUE: [50] ANNUITANT: [J▇▇▇ ▇▇▇] SEX: [M] AGE AT ISSUE: [50] BENEFICIARY: [J▇▇▇ ▇▇▇] SEX: [F] AGE AT ISSUE: [50] PRODUCT CLASS: [FEDERAL LIFE VARIABLE ANNUITY ACCOUNT — A] INITIAL PREMIUM: [$5,000] MORTALITY AND EXPENSE RISK CHARGE [0.70%] ADMINISTRATION CHARGE [0.15%] MINIMUM SUBSEQUENT PREMIUM [$500] MAXIMUM TOTAL PREMIUMS [$1,000,000] MINIMUM TRANSFER AMOUNT [$500] OR VALUE OF SUB-ACCOUNT IF LESS MAXIMUM TRANSFERS PER YEAR [12] MINIMUM CONTRACT VALUE AFTER PARTIAL SURRENDER [$5,000] IF YOU HAVE ANY QUESTIONS OR CONCERNS, CONTACT YOUR AGENT OR WRITE OR CALL US AT: MINIMUM CONTRACT VALUE TO BE APPLIED TO AN ANNUITY INCOME OPTION [$5,000] MINIMUM MONTHLY ANNUITY INCOME PAYMENT [$100] ASSUMED INVESTMENT RATE [5.00%] [FEDERAL LIFE FIXED INCOME PORTFOLIO] [50%] [FEDERAL LIFE EQUITY PORTFOLIO] [50%] IF YOU HAVE ANY QUESTIONS OR CONCERNS, CONTACT YOUR AGENT OR WRITE OR CALL US AT: Accumulated Earnings: The Contract Value in excess of Premiums received by us that have not yet been returned to you.