Exclusions and limitations Benefits are not payable if your disability is caused by, contributed to or resulting from: Loss of a professional or occupational license or certification Commission of or attempt to commit a felony Intentionally self-inflicted injuries Attempted suicide, regardless of mental capacity Being legally intoxicated or being under the influence of any narcotic, unless taken under the direction of and as directed by a doctor Participation in a war, declared or undeclared, or any act of war 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 an aircraft operated by or under the authority of military or any aircraft being used for experimental purposes Pre-existing conditions: A pre-existing condition is a sickness, injury or physical condition that led to medical treatment, consultation, care or services (including diagnostic measures) during the 6 month period before your coverage effective date. Benefits are not payable if your disability begins in the first 12 months after your coverage effective date, and your disability is caused by, contributed by, or the result of a pre-existing condition unless the insured person was treatment free for 6 consecutive months after the effective date of coverage. Your benefits may be limited to a shorter time period, such as 24 months during your lifetime, if: The disability is due to a mental illness, alcoholism or drug abuse. Your benefits will be reduced by other income (deductible sources of income) you are eligible to receive while disabled. These include but arent limited to: Income received from any form of employment Unemployment benefits and any type of income replacement provided by your employer Workers Compensation benefits or benefits from similar programs Judgments or settlements you receive related to disability Disability or retirement payments under Social Security or other federal and state plans Disability income payments under automobile liability insurance benefits Disability income payments payable under any other group insurance policy and certain retirement payments provided under your employers retirement plan *Limitations and exclusions will vary by state and by your employers benefit plan. This is a summary of benefits only. A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of insurance and riders. All coverage is subject to the terms and conditions of the group policy. If there is any discrepancy between this document and the group policy documents, the policy documents will govern. To keep coverage in force, premiums are payable up to the date of coverage termination. Disability Income Insurance is underwritten by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya family of companies. Policy form HP08GP and/or HP13GP (may vary by state). Date Prepared: 09/29/2025 2024 Voya Services Company. All rights reserved. CN4867199_1027 2851294_060124 Questions? Enrollment instructions will be provided by your employer. If you have additional questions before you enroll, please call: Voya Employee Benefits Customer Service at (877) 236-7564 Scan the QR code to visit your Employee Benefits Resource Center to learn more about this benefit and review instructions on how to file a claim after your effective date: https://presents.voya.com/EBRC/ballstateuniversity