Exclusions and Limitations

As in most plans of this type, there are some disabilities that are not covered. Examples of disabilities excluded from this plan are as follows:

• war, declared or undeclared, or any act of war;
• intentionally self-inflicted injuries;
• participation in a riot;
• the committing of or attempting to commit a felony or misdemeanor;
• cosmetic surgery unless such surgery is in connection with an Injury or Sickness sustained while the individual is a Covered Person;
• a gender change, including, but not limited to, any operation, drug therapy, or any other procedure related to a gender change.

No benefit will be payable during any period of incarceration.

For more information on exclusions and limitations, you should contact Human Resources.