Long-Term Disability Insurance

What Not Is Covered

The LTD Plan does not cover disabilities caused by:

• Attempted suicide or intentionally self-inflicted injury
• A pre-existing condition due to a sickness or injury during the first 12 months of employment for which you were under a physician’s care or receiving treatment within three months prior to the date of employment. If disability begins after 12 months of employment, benefits will be payable for conditions in existence on the date of your employment.
• War (declared or undeclared)
• An illness or injury that occurs outside the United States
• An illness or injury that occurs in a local, municipal, provincial or federal prison

If your disability is caused by a mental, pyschoneurotic, or personality disorder, benefits are limited to 24 months. After 24 months, benefits are payable only if you have been confined to a hospital for at least 14 consecutive days. In this case, benefits will be payable for the duration of your confinement and for three months following your confinement.

If you are incarcerated, benefits are excluded for that period of time when you are actually in prison.