Mental Illness and Substance Abuse Benefits

Important Plan Definitions

Please see "Defined Terms" for the definition of "Hospital" and "Mental/Nervous Condition."

If you are approved by Prudential as disabled and were deemed disabled because of:

Mental illness that results from any cause;

Any condition that may result from mental illness;

Alcoholism; or

The non-medical use of narcotics, sedatives, stimulants, hallucinogens, or any other such substance,

Then Group LTD benefits will be payable subject to all other policy provisions as well as the following:

Limitations on Certain Benefits

Group LTD Plan benefits for disability due to a mental illness or substance abuse generally will not exceed 24 months. For other specific plan provisions or limitations not mentioned here, please contact Prudential directly. See the Contacts section for contact information.

Only for so long as you are confined in a hospital or other institution licensed to provide medical care for the disabling condition; or

When you are not so confined, a total of 24 months for all such disabilities during your lifetime; or

For up to 90 days after release from confinement.