Disability – Directors

Exclusions and Limitations 

The STD and LTD Plans do not cover any disabilities caused by, contributed to by, or resulting from: 

  • suicide, attempted suicide, or intentionally self-inflicted injury while sane or insane;
  • active participation in a riot;
  • commission of a felony;
  • for the LTD Plan a disability which is due to a pre-existing condition (refer to "Pre-existing Condition" in the Long-Term Disability section for more information);
  • the revocation, restriction or non-renewal of your license, permit, or certification necessary to perform the duties of your occupation, unless due solely to an injury or sickness that is covered by the plan;
  • any period of disability during which you are incarcerated in a penal or corrections institution; 
  • war or any act of war, whether declared or undeclared;
  • an occupational injury or sickness; or
  • costmetic surgery or surgical procedure that is not "medically necessary."
The Administrative Information section of this Summary Plan Description (SPD) is incorporated into this section by reference. The Administrative Information section contains additional important information about your disability benefits, including your rights as a plan participant under the Employee Retirement Income Security Act of 1974 (ERISA).