Benefit Rider Limitations and Exclusions Hospital Indemnity Limited Benefit Rider Spouse is incarcerated in a penal or correctional institution or The Hospital Confinement Benefit will not be payable for an Injury for any Injury that occurs while your Spouse is incarcerated in or Sickness incurred in the first 12 months of coverage if the Injury a penal or correctional institution; Injury arising out of and in or Sickness is caused by or resulting from a Pre-Existing Condition the course of any occupation for wage or profit or for which as defined in the policy. In addition to the exclusions listed in the your Spouse is entitled to Workers’ Compensation. The term policy, no benefits will be payable under this rider for any Hospital “entitled to Workers’ Compensation” shall also include Workers’ confinement that is caused by or resulting from mental illness Compensation claim settlements which occur via compromise or drug or alcohol abuse. Benefits are reduced by 50% at age 70. and release. Further, no benefits will be paid under this policy Successive Hospital stays will be considered as one confinement for any period during which your Spouse is entitled to Workers’ if they are separated by less than 90 days of confinement to a Compensation benefits; participation in any sport for wage or Hospital. profit; participation in any contest of speed in a power driven vehicle for wage or profit. The term “Hospital” shall not include an institution used by you as Spouse means the person you are lawfully married to who is a place for rehabilitation; a place for rest or for the aged; a nursing less than age 70. Your spouse must be engaged in Full-Time or convalescent home; a long-term nursing unit or geriatrics Employment for benefits to be payable. Full-Time Employment ward; or as an extended care facility for the care of convalescent, means your spouse is employed an average of 25 or more rehabilitative , or ambulatory patients. hours per week for pay or benefits. Full-Time Employment Critical Illness Benefit Rider does not include any hours your spouse is working while self- The Critical Illness Benefit rider will not be payable for any loss employed. No benefits are payable for your Spouse under this caused by or resulting from: a Critical Illness when the date rider for a Disability from an Injury that occurred outside of the of diagnosis occurs during the waiting period; a Critical Illness United States or its territories. No benefit will be provided for diagnosed outside of the United States; or a Sickness or Injury not any period in which your Spouse is not under the regular and specifically defined in this Rider. appropriate care of a physician. No benefits will be paid for any Injury to your Spouse which is caused by or resulting from No Critical Illness Benefit will be payable for a Critical Illness which Spousal abuse. is caused by or resulting from a Pre-Existing Condition when the Your coverage with respect to the riders listed above will end Critical Illness date of diagnosis occurs before you have been on the earliest of these dates: the end of the last period for continuously covered under this rider for 12 consecutive months. which premium has been paid; the date you notify us in writing Following 12 consecutive months this exclusion does not apply. to terminate coverage; the date the rider is discontinued; the Pre-Existing Condition means a disease, Injury, Sickness, physical date the policy is discontinued; or the date your employment condition or mental illness for which you have experienced any of terminates. the following: received treatment or received a diagnosis or advice Availability of riders may vary by state, employer and short- from a Physician, during the 12-month period immediately before term coverage with a benefit period of less than 12 months. the Effective Date of this Rider. The term Pre-Existing Condition Additional riders are subject to our general underwriting will also include conditions which are related to such disease, guidelines and coverage is not guaranteed. Riders have Injury, Sickness, physical condition or mental illness. Benefits limitations, exclusions, and waiting periods. Refer to your policy reduce by 50% at age 70. No benefits will be paid for a Critical for complete details. These riders will terminate on the same Illness when the date of diagnosis occurs during the Critical Illness date as the policy or certificate to which it is attached. waiting period. The waiting period is 30 days from the effective date of this rider. COBRA Funding Benefit Rider Proof of election of medical COBRA continuation must be provided to American Fidelity. Proof of continued medical COBRA participation will be required before benefits are paid under this rider. Your employment must have terminated for the benefit to be payable. Spousal Accident Only Disability Benefit Rider This rider does not provide benefits for your Spouse for any Disability, fatal or non-fatal, which results from any of the following: intentionally self-inflicted Injury while sane or insane; an act of war, declared or undeclared; Injury sustained or contracted while in the service of the armed forces of any country; committing a felony; penal incarceration. American Fidelity will not pay benefits during any period for which your