GC 3100.30B SECTION 11 - MENTAL ILLNESS LIMITATION 2005 (24 months/Lifetime Accumulation) SECTION 11 - MENTAL ILLNESS LIMITATION MENTAL ILLNESS LIMITATION: Monthly Benefits for Disability due to Mental Illness whether or not benefits were sought because of the condition will not be payable beyond the Maximum Benefit Duration. In addition, if the Maximum Benefit Duration is longer than 24 months, benefits for Disability due to Mental Illness will not exceed 24 months of Monthly Benefit payments. Benefit payment for Disabilities due to Mental Illness are cumulative for the lifetime of the contract. The Monthly Benefit may be paid beyond such period if: 1) the Person is in a hospital or institution at the end of the 24-month period; and 2) confinement begins: a) during the Elimination Period; or b) during the 24 months next following the Elimination Period; and 3) confinement is for at least 14 consecutive calendar days. The Monthly Benefit will be payable until the Person is discharged. If Disability continues after discharge, the Monthly Benefit will be payable for a recovery period not to exceed 90 days. If the Person is re-confined in a hospital or institution for the same Sickness or Injury which caused the Disability, the Monthly Benefit will be payable during the re-confinement if: 1) it begins during the recovery period; and 2) it is for at least 14 consecutive calendar days. If Disability continues after the Person is discharged from this re-confinement, the Monthly Benefit will be payable for a final recovery period not to exceed 90 days. For any period of confinement beyond those stated above the Monthly Benefit will continue to be payable: 1) only if confinement is for at least 14 consecutive calendar days; and 2) only until the Person is discharged; and 3) only if the Person is continuously Disabled. To be covered, confinement must be in a facility licensed to provide care and treatment for the disabling condition due to Mental Illness. AUL will not apply the Mental Illness Limitation to a Disability due to dementia if it is a result of: 1) stroke; 2) trauma; 3) viral infection; or 4) Alzheimer’s disease.