What disabilities are not covered under my plan?

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Your plan doesn’t cover any disabilities caused by, contributed to by, or resulting from your:

  • Intentionally self-inflicted injuries
  • Active participation in a riot
  • Loss of a professional license, occupational license or certification
  • Attempt to commit or commission of a crime
  • Commission of a crime for which you’ve been convicted
  • Pre-existing condition
  • Disability due to war, declared or undeclared, or any act of war

Unum does not pay a benefit for any period of disability during which you’re incarcerated.