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Aetna Long Term Disability Insurance policies, underwritten by Aetna Life Insurance Company (Aetna) typically do not cover disabilities caused by:
- Self-inflicted injuries
- Injuries received while committing a crime
- Driving while intoxicated
- Rebellion, insurrection or taking part in civil commotion
- Acts of war
Benefits can be limited for disabilities arising from pre-existing conditions. Pre-existing conditions are disabilities caused by a sickness or injury that was diagnosed or treated or for which prescribed drugs or medicines had been taken during the 12 months prior to your coverage effective date.
No benefit is payable for any disability that is caused by or contributed to by a “pre-existing condition” and starts before the first to occur of: • the end of the first 24 months following your effective date of coverage; or • the end of a period of 12 months in a row, following your effective date of coverage, during which you have received no treatment or services and have taken no prescribed drugs or medicines for that condition. If you were enrolled in the prior FEDERAL FIRST LTD program, you will receive credit for the time you were covered under that program.
Benefit payments will be reduced by other sources of income that you receive, such as Workers’ Compensation, Accumulated Sick Leave, CSRS or FERS disability retirement benefits.
Other Limitations and Exclusions apply. Please review the policy carefully.