Knowing When Benefits Aren't Paid

The AD&D Plan pays a benefit for an accident or injuries that lead to the losses described on page 80. Benefits will not be paid for a loss caused by or contributed to by:

• Illness;
• Disease;
• Any medical treatment for illness or disease;
• Any infection, except a pus-forming infection of an accidental cut or wound;
• War or any act of war, whether or not war is declared;
• Any injury received while you were in the armed service of a country that is at war or engaged in armed conflict;
• Any intentionally self-inflicted injury, suicide or suicide attempt, whether you were sane or insane;
• Riding in, boarding or alighting from any aircraft owned, operated or leased by or on behalf of your employer or the Trustees of the Fund;
• Riding, boarding or alighting from any aircraft while you are a pilot or crew member of the aircraft;
• Taking drugs, sedatives, narcotics, barbiturates, amphetamines or hallucinogens, unless prescribed or administered by a licensed physician; or
• Intoxication of the injured person.