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What Is Not Covered
Group LTD coverage does not cover nor shall benefits be paid for any disability:
  • In which you are not under the regular care of a physician;
  • That is caused or contributed to by war or act of war (declared or not);
  • That is the result of active participation in a riot;
  • Caused by your commission of a crime for which you have been convicted under state or federal law;
  • Caused or contributed to or by intentionally self-inflicted injury; or
  • Caused by a pre-existing condition. This list is subject to change at any time.