EXCLUSIONS & LIMITATIONS

The following is just a summary. Please see the Group Policies for a more complete description of these items.

What is not covered under all plans…

•suicide or attempted suicide or any intentionally self-inflicted injuries, while sane or insane;

•acts of war (declared or undeclared);

•insured’s commission of a felony;

•insured’s operating, riding in, or descending from any aircraft, other than while a fare-paying passenger on a licensed, commercial, non-military aircraft;

What else is not covered under the Medical Coverage…

•mental or nervous disorders;

•alcoholism or substance abuse;

•full-time military duty;

•illnesses and injuries related to insured’s work;

•eye or ear examinations, glasses or hearing aids;

•dental treatment or cosmetic surgery and

•Medical Pre-existing Conditions Limitation.

Every effort has been made to ensure the accuracy of this page. The information described herein applies in most states, however state laws do vary. The laws of your state may affect this benefit program, bur these differences in laws generally do not result in reduced benefits. This brochure is not a legal document. In the event of a discrepancy, the policies would be the determining factor. All plans are not available in all states. Issuance of coverage is subject to satisfaction of the minimum participation levels.