When Does Coverage Become Effective and When Does it End with an HCC Life STM policy?
For enrollment forms received online, by e-mail, or by fax, your coverage becomes effective at 12:01am* on the date following the date we receive your completed enrollment form provided payment has been received. For enrollment forms submitted by mail, your effective date is 12:01am* on the postmark date of your completed enrollment form or 12:01am* on the requested effective date, whichever is later, provided payment has been received. Your requested effective date must be within 45 days from the date you signed the enrollment form. *Times expressed are based on the geographical area where the certificate holder resides.
