Long Term Disability Income
Exclusions



The insurance does not cover a disability caused by or contributed by any act of war (including undeclared war and resistance to armed aggression), intentionally self-inflicted injury or attempted suicide.

Plan participants meet the cost of insurance from contributions to the Trust. The current contribution rates are set forth on this web site.

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The information on this web site is intended to be a summary of your benefits and does not include all plan provisions, exclusions and limitations. A Booklet - Certificate, with complete plan information, including limitations and exclusions, will be provided to Plan participants. If there is a discrepancy between this document and the Group Contract/Booklet-Certificate issued by Prudential, the terms of the Group Contract will govern.

This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department.

North Carolina Residents: THIS IS NOT A MEDICARE SUPPLEMENT PLAN. If you are eligible for Medicare, review the Guide to Health Insurance for People with Medicare, which is available from the Company.

The Booklet-Certificate contains all details, including any policy exclusions, limitations and restrictions, which may apply. Contract Series 83500.



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