LONG TERM DISABILITY BENEFIT INFORMATION HC13GPIN 18 B-21113 (11/25) • Active military duty. • Active participation in a riot. • Engaging in any illegal or fraudulent occupation, work or employment. • Commission of a crime for which you have been convicted. • Elective surgery except when required for your appropriate care as a result of your injury or sickness. • Traveling or flying on any aircraft operated by or under the authority of military or any aircraft being used for experimental purposes. PRE-EXISTING CONDITION LIMITATION Benefits will not be paid if your disability begins in the first 12 months following the effective date of your coverage and your disability is caused by, contributed to by, or the result of a pre-existing condition. MENTAL ILLNESS LIMITATION The lifetime cumulative maximum period of payment for all disabilities due to mental illness is 24 months. Only 24 months of benefits will be paid even if the disabilities are not continuous and/or are not related. If you are confined to a hospital, health facility or institution at the end of the 24 month period, we will continue to send you payment(s) during your confinement. If you are still disabled when you are discharged, we will send you payment(s) for a recovery period of up to 90 days. If you become reconfined at any time during the recovery period and remain confined for at least 14 days in a row, we will send payment(s) during that additional confinement and for one additional recovery period up to 90 more days. If you continue to be disabled after the 24 month period, and subsequently become confined to a hospital, health facility or institution for at least 14 days in a row, we will send payment(s) during the length of the reconfinement. We will not make payments beyond the limited pay period as indicated above, or the maximum period of payment, whichever occurs first. We will not apply the mental illness limitation to a disability due to dementia if it is a result of stroke, trauma, viral infection or Alzheimer's disease. ALCOHOLISM OR DRUG ABUSE LIMITATION The lifetime cumulative maximum period of payment for all disabilities due to alcoholism or drug abuse is 24 months. Only 24 months of benefits will be paid even if the disabilities are not continuous and/or are not related. If you are confined to a hospital, health facility or institution at the end of the 24 month period, we will continue to send you payment(s) during your confinement. If you are still disabled when you are discharged, we will send you payment(s) for a recovery period of up to 90 days. If you become reconfined at any time during the recovery period and remain confined for at least 14 days in a row, we will send payment(s) during that additional confinement and for one additional recovery period up to 90 more days. If you continue to be disabled after the 24 month period, and subsequently become confined to a hospital, health facility or institution for at least 14 days in a row, we will send payment(s) during the length of the reconfinement. We will not make payments beyond the limited pay period as indicated above, or the maximum period of payment, whichever occurs first. SPECIAL CONDITIONS LIMITATION The lifetime cumulative maximum period of payment for all disabilities due to special conditions is 24 months. Only 24 months of benefits will be paid for any combination of such disabilities even if the disabilities are not continuous and/or are not related. If you are confined to a hospital, health facility or institution at the end of the 24 month period, we will continue to send you payment(s) during your confinement. If you are still disabled when you are