19 XV. BENEFITS AFTER INSURANCE ENDS OR IS CHANGED A. During each period of continuous Disability, we will pay LTD Benefits according to the terms of your Employer’s coverage under the Group Policy in effect on the date you become Disabled. Your right to receive LTD Benefits will not be affected by: 1. any amendment to the Group Policy or your Employer’s coverage under the Group Policy that is effective after you become Disabled. 2. termination of the Group Policy or your Employer’s coverage under the Group Policy after you become Disabled. GLDI-C2000-(12/06) XVI. EFFECT OF NEW DISABILITY A. If a period of Disability is extended by a new cause while LTD Benefits are payable, LTD Benefits will continue while you remain Disabled, subject to the following: 1. LTD Benefits will not continue beyond the end of the original Maximum Benefit Period; 2. The “Exclusions” and “Limitations” sections will apply to the new cause of Disability. GLDI-C2100-(12/06) XVII. EXCLUSIONS A. War. You are not covered for a Disability caused or contributed to by War or any act of War. War means a state or period of declared or undeclared war whether civil or international, any substantial armed conflict with organized forces of a military nature between nations, states or parties, or acts of terrorism. B. Criminal Conduct. You are not covered for a Disability caused or contributed to by your committing or attempting to commit an assault, battery, or any other crime. You are not covered for a Disability caused as a result of your engaging in an illegal activity, or actively participating in a violent disorder or riot. Actively participating does not include being at the scene of a violent disorder or riot while performing your official duties. C. Military Leave. You are not covered for a Disability that occurs during any military leave for active duty, including training duty, the National Guard and Coast Guard, or any active or reserve component of the military forces of any state or country. D. Imprisonment. No LTD Benefits will be paid for any period of Disability when you are, for any reason, confined in a penal or correctional institution or under house arrest. E. Intentionally Self-Inflicted Injury-Suicide. You are not covered for a Disability caused or contributed to by an intentionally self-inflicted injury or attempted suicide, while sane or insane. GLDI-C2200-(12/06)-IN XVIII. LIMITATIONS A. Mental Disorders and Substance Abuse 1. LTD Benefit payments based on a Mental Disorder or Substance Abuse are limited to 24 months for each period of continuous Disability. This is not a separate maximum for each such condition, but a combined maximum for Mental Disorders or Substance Abuse, either separate or combined.

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