Exclusions and limitations We won’t pay benefits if your disability is caused by, contributed to by, or results from any of the following: • Subject to the applicable law in the state where the Policy is delivered or issued for delivery, commission or attempt to commit a felony or illegal activity. • Engaging in any illegal occupation, work or employment. • Operating a motorized vehicle while under the influence of alcohol as evidenced by a blood alcohol level at or in excess of the state legal intoxication limit as defined by the state law where the disability occurs. • Intentionally self-inflicted harm. • Attempted suicide, regardless of mental capacity. • Participation in a war, declared or undeclared, or any act of war. An act of war is military activity by one or more national governments and does not include terrorist acts, other random acts of violence not perpetrated by you, or civil war or community faction. • Active duty as a member of the armed forces of any nation. However, we will refund, upon written notice of such service, any Premium which has been accepted for any period not covered as a result of this exclusion. • Active participation in a riot, insurrection or terrorist activity, but not including civil commotion, disorder, injury as an innocent bystander, or injury because of self-defense. • Subject to the applicable law in the state where the Policy is delivered or issued for delivery, voluntary intake of any narcotic or other controlled substance, unless the narcotic or controlled substance is taken under the direction of and as directed by a doctor. • Voluntary intake of poison, drugs or fumes, unless a direct result of an occupational accident. • Cosmetic surgery except when required for your appropriate care as a result of your injury or sickness; cosmetic surgery shall not include (1) reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection or other diseases of the involved part, (2) reconstructive surgery because of congenital disease or anomaly resulting in a functional defect and (3) surgery necessitated by gender dysphoria. • Traveling in any aircraft other than as a fare-paying passenger on a scheduled or charter flight operated by a scheduled airline. • Traveling in any aircraft (or device) used for testing or an experimental purpose, used by or for any military authority, or used for travel beyond the earth’s atmosphere. • Hang-gliding, skydiving, parachuting, ultralight, soaring, ballooning and parasailing. • Participation in recreational motor sports events, racing, speed or endurance contest (auto, truck, cycle or boat), rock or mountain climbing, skin or scuba diving, or bungee jumping. • Participation in any sport for wage, compensation or profit. • Occupational sickness or injury We will not pay a benefit for any period of Disability during which you are incarcerated. Pre-existing conditions: We won’t pay benefits if your disability is due to a pre-existing condition, and you became disabled during the first 12 months following the effective date of your coverage. A pre-existing condition is any condition for which you have done any of the following at any time during the 3 months just prior to your effective date of coverage, whether or not that condition is diagnosed, undiagnosed or misdiagnosed: • Received medical treatment or consultation. • Taken or were prescribed drugs or medicine. • Received care or services, including diagnostic measures. Your benefits may be reduced by other income you are eligible to receive while disabled. Limitations and exclusions will vary by state and by your employer’s benefit plan. If you were previously declined for coverage by the insurance company, you are not eligible for this one-time offer.