GC 3100.28B SECTION 9 - EXCLUSIONS 2005 (Continuity) (LTD Plan) (Prudent: Not Included) SECTION 9 - EXCLUSIONS PRE-EXISTING CONDITION EXCLUSION ON AN INCREASED MAXIMUM MONTHLY BENEFIT: This provision applies to an increase in Maximum Monthly Benefit of $1,000 or more that occurs after the effective date of coverage of the Participating Unit. The Group Policy will not cover the increase in Maximum Monthly Benefit of $1,000 or more if the Person’s Disability begins in the first 12 months following the Participating Unit’s effective date of the increase in coverage; and the Person’s Disability is caused by, contributed to by, or the result of a condition, whether or not that condition is diagnosed at all or is misdiagnosed, for which the Person received medical treatment, consultation, care or services, including diagnostic measures, or was prescribed drugs or medicines in the three (3) months just prior to his effective date of increase in amount of insurance. PRE-EXISTING CONDITION EXCLUSION ON AN INCREASED MAXIMUM MONTHLY BENEFIT WHEN CHANGING CARRIERS: This provision applies to an increase in the Maximum Monthly Benefit when: 1) coverage under the Group Policy replaces a Participating Unit's prior Long Term Disability coverage; 2) coverage under the Group Policy has a Maximum Monthly Benefit that is $1,000 or more than the Participating Unit's prior coverage; and 3) the Pre-Existing Condition limitation on the Participating Unit's prior coverage was for a period of time of three (3) months or less. The Group Policy will not cover the increase in Maximum Monthly Benefit of $1,000 or more if the Person’s Disability begins in the first 12 months following the Participating Unit’s effective date of the increase in coverage; and the Person’s Disability is caused by, contributed to by, or the result of a condition, whether or not that condition is diagnosed at all or is misdiagnosed, for which the Person received medical treatment, consultation, care or services, including diagnostic measures, or was prescribed drugs or medicines in the three (3) months just prior to his effective date of increase in amount of insurance.