LIMITATIONS AND EXCLUSIONS LIMITATIONS AND EXCLUSIONS Treatment or Medical Treatment is the consultation, care, or services If this coverage will replace any existing individual policy please be aware provided by a Doctor. This includes receiving any diagnostic measures and that it may be in your best interest to maintain their individual guaranteed- taking prescribed drugs and medicines. renewable policy. We will not pay bene昀椀ts for any Disability resulting from or affected by a We will not pay bene昀椀ts for loss caused by Pre-Existing Conditions (except Pre-existing Condition if the Disability was diagnosed within the 12-month as stated in the provision below). period after the Effective Date. We will not pay bene昀椀ts whenever coverage provided by this Policy is in We will not reduce or deny a claim for bene昀椀ts for any Disability due to a violation of any U.S. economic or trade sanctions. If the coverage violates pre-existing condition that was diagnosed more than 12 months after the U.S. economic or trade sanctions, such coverage shall be null and void. Effective Date. We will not pay bene昀椀ts whenever fraud is committed in making a claim PREGNANCY LIMITATION under this coverage or any prior claim under any other A昀氀ac coverage for Within the 昀椀rst nine months of the Effective Date of coverage, we will not which you received bene昀椀ts that were not lawfully due and that fraudulently pay bene昀椀ts for a Disability that is caused by, or occurs as a result of, your induced payment. Pregnancy or childbirth. Disability due to Complications of Pregnancy will We will not pay bene昀椀ts for a Disability that is caused by or occurs as a be covered to the same extent as a covered Sickness. result of: 1. Any act of war, declared or undeclared; insurrection; rebellion; After this coverage has been in force for nine months from the Effective or act of participation in a riot; 2. Actively serving in any of the armed Date of coverage, Disability bene昀椀ts for childbirth will be payable. The forces, or units auxiliary thereto, including the National Guard or Reserve; maximum Period of Disability allowed for Disability due to childbirth is six 3. An intentionally self-in昀氀icted Injury; 4. A commission of a crime for which weeks for noncesarean delivery and eight weeks for cesarean delivery, the Insured has been convicted; we will not pay a bene昀椀t for any Period of less the Elimination Period, unless you furnish proof that your Disability Disability during which the Insured is incarcerated; 5. Travel in, or jumping continues beyond these time frames due to Complications of Pregnancy. or descent from any aircraft, except when a fare-paying passenger in a TERMS YOU NEED TO KNOW licensed passenger aircraft; 6. Mental Illness as de昀椀ned; 7. Alcoholism or Actively at Work refers to your ability to perform your regular employment drug addiction; 8. An Injury that arises from any employment; 9. Injury or duties for a full normal workday. You may perform these activities either at Sickness that is covered by Worker’s Compensation. your employer’s regular place of business or at a location where you may be PRE-EXISTING CONDITION LIMITATION required to travel to perform the regular duties of your employment. Pre-existing Condition is a disease or physical condition of a person that Bene昀椀t Period is the maximum number of days after the Elimination Period, existed within the 12-month period before your effective date. For a if any, for which you can be paid bene昀椀ts for any period of disability. Each condition to have been Pre-existing a Doctor must have advised, diagnosed, new Bene昀椀t Period is subject to a new Elimination Period. or treated the covered employee, or symptoms existed that would ordinarily cause a prudent person to seek medical advice or treatment.