GC 3100.29B SECTION 10 - DRUG AND ALCOHOL ABUSE LIMITATION 2005 (24 months/Lifetime Accumulation) SECTION 10 - DRUG AND ALCOHOL ABUSE LIMITATION DRUG AND ALCOHOL ABUSE LIMITATION: Monthly Benefits for Disability due to drug and alcohol abuse, whether or not benefits were originally 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 drug and alcohol abuse will not exceed 24 months of Monthly Benefit payments. Benefit payments for Disabilities due to drug and alcohol abuse are cumulative for the lifetime of the contract. The Monthly Benefit may be paid beyond 24 months if: 1) a 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 a Person is discharged. If Disability continues after discharge, the Monthly Benefit will be payable for a recovery period not to exceed 90 days. If a Person is re-confined in a hospital or institution for the same Sickness or Injury that 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 a Person is discharged from such a 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 only: 1) if confinement is for at least 14 consecutive calendar days; and 2) until a Person is discharged; and 3) if a 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 drug or alcohol abuse.