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Delayed Effective Date
Employee:
Insurance will be delayed for employees not in active employment until the first of the month, coincident with or next, following the date they return to work. Regularly scheduled vacation time is considered active employment.
Dependents:
Coverage for totally disabled dependents will be delayed until the first of the month, coincident with or next, following the date the individual is no longer totally disabled. This delay does not apply to newborn children while dependent insurance is in effect.
Exclusion for Suicide
Where the cause of death is suicide:
1. No benefits will be payable for a loss occurring within 24 months after the individual’s initial effective date of insurance; and
2. No increased or additional insurance will be payable for a loss occurring within 24 months after the day such increased or additional insurance is effective.
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AD&D Benefit Exclusions
AD&D Benefits would not be paid for losses caused by, contributed to by, or resulting from:
- Disease of the body or diagnostic, medical or surgical treatment or mental disorder as set forth in the latest edition of the Diagnostic and Statistical Manual of Mental Disorders;
- Suicide, self-destruction while sane, or self-inflicted injury;
- War, declared or undeclared, or any act of war;
- Active participation in a riot;
- Attempt to commit or commission of a crime;
- The voluntary use of any prescription or non-prescription drug, poison, fume or any other chemical substance unless used according to the prescription or direction of the individual’s doctor. This exclusion does not apply to the individual if the chemical substance is ethanol; or
- Operating any motorized vehicle while intoxicated. ("Intoxicated" means that the individual’s blood alcohol level equals or exceeds the legal limit for operating a motor vehicle in the state where the accident occurred.)
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- Commission of a crime for which you or your dependent has been convicted.
- Service on full-time active duty in the Armed Forces of any country or international authority.
- Experimental medical procedures or investigational medical procedures.
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