Complications of Pregnancy refers to: Mental Illness is de昀椀ned as a Total Disability resulting from psychiatric Conditions requiring Medical Treatment that comes before or comes after or psychological conditions, regardless of cause. Mental Illnesses and the termination of a pregnancy. The diagnoses for this Medical Treatment Emotional Disorders includes but are not limited to the following: bipolar must be distinct from pregnancy but either adversely affected by pregnancy affective disorder (manic-depressive syndrome), delusional (paranoid) or caused by pregnancy. For a condition to be a Complication of Pregnancy, disorders, psychotic disorders, somatoform disorders (psychosomatic it must constitute a classi昀椀ably distinct pregnancy complication. Examples illness), eating disorders, schizophrenia, anxiety disorders, depression, of such Complications of Pregnancy are: 1. Acute nephritis; 2. Nephrosis; stress, post-partum depression, personality disorders and adjustment 3. Cardiac decompensation; 4. Missed abortion; 5. Disease of the vascular, disorders or other condition usually treated by a mental health provider or hemopoietic, nervous, or endocrine systems; and 6. Similar medical and other quali昀椀ed provider using psychotherapy, psychotropic drugs or other surgical conditions of comparable severity. similar modalities used in the treatment of the above conditions. Further Complications of Pregnancy include: Partial Disability refers to your being under the care and attendance of a 1. Hyperemesis gravidarum and pre-eclampsia requiring hospital Doctor due to a condition that causes your inability to perform the material con昀椀nement; 2. Ectopic pregnancy that is terminated; and 3. Spontaneous and substantial duties of your Full-Time Job. To qualify as Partial Disability, termination of pregnancy that occurs during a period of gestation in which a you are able to work at any job earning less than 80 percent of the Annual viable birth is not possible. Income of your Full-Time Job at the time you became disabled. Complications of Pregnancy do not include the following conditions: Sickness refers to a covered illness, disease, infection, or any other abnormal physical condition that is not caused by an injury and any 1. Multiple gestation pregnancy; 2. false labor; 3. occasional spotting; and 4. resulting covered period of disability must occur on or after the effective morning sickness. date of coverage and while coverage is in force. Other similar conditions associated with the management of a dif昀椀cult Termination Coverage will terminate on the earliest of: (1) the date the pregnancy are not considered Complications of Pregnancy. Cesarean master policy is terminated, (2) the 31st day after the premium due date if deliveries are not considered Complications of Pregnancy. the required premium has not been paid, (3) the date you cease to meet the Effective Date is the date shown on the Certi昀椀cate Schedule, provided you de昀椀nition of an employee as de昀椀ned in the master policy, (4) the date you no are actively at work, or if not, it is the date you are actively at work as an longer belong to an eligible class, (5) age 75. eligible employee Total Disability refers to your being under the care and attendance of a Elimination Period is the number of continuous days at the beginning of Doctor due to a condition that causes your inability to perform the material your Period of Disability for which no bene昀椀ts are payable. Each new Bene昀椀t and substantial duties of your Full-Time Job. To qualify as Total Disability, Period is subject to a new Elimination Period. you may not be working at any job. Injury refers to a bodily injury that is not otherwise excluded that is directly You and Your refers to an employee as de昀椀ned in the Plan. caused by a covered accident, not caused by sickness, disease, bodily in昀椀rmity, or any other cause, and any resulting covered period of disability must occur on or after the effective date of coverage and while coverage is in force.