What's Not Covered

What's Not Covered

PLEASE NOTE: UNUM CANCELLED THE GROUP LONG TERM CARE PLAN ON MARCH 31, 2018

The Long Term Care Plan will not pay benefits for any disability that begins during the first six months of coverage and is attributed to a pre-existing condition. A pre-existing condition is one that exists for which, during the six-month period before your coverage began, you received medical treatment, consultation, care, or services (including diagnostic measures for the condition), or for which you took drugs or medicines prescribed for the condition.

The Long Term Care Plan will also not pay benefits for a disability resulting from:

• War (whether declared or not) or any act of war
• Intentionally self-inflicted injuries or attempted suicide
• The commission of (or the attempt to commit) a crime, regardless of whether you have been convicted under state or federal law
• Disabilities or confinements during which you are outside the United States, its territories or possessions for longer than 30 days
• Intoxication
• Voluntary use of any controlled substance unless the controlled substance is prescribed for you by a physician
• A period in which you are confined in a hospital unless you are confined in a nursing facility that is a distinctly separate part of a hospital (this exclusion does not apply to those periods covered under the Bed Reservation Benefit)
• Psychological or psychiatric or mental conditions, regardless of cause, including but not limited to:
  • Depression
  • Generalized anxiety disorders
  • Personality disorders
  • Schizophrenia
  • Manic depressive disorders
  • Adjustment disorders
  • Other conditions that are usually treated by a mental health provider or other qualified provider using psychotherapy, psychotropic drugs or similar methods of treatment

However, payments will be made for conditions that are not psychological, psychiatric or mental in nature, including Alzheimer's disease or similar forms of irreversible dementia.