Accidental Death & Dismemberment Insurance Exclusions

The UnionSecure Accidental Death and Dismemberment policy, by The Hartford, does not cover any loss resulting from:

1. Intentionally self-inflicted injury, suicide or attempted suicide, whether sane or insane (in Missouri while sane);
2. War or act of war, whether declared or undeclared;
3. Injury sustained while riding on any aircraft except a Civil or Public Aircraft, or Military Transport Aircraft;
4. Injury sustained while riding on any aircraft: a) as a pilot; or b) as a flight instructor or examiner; or c) if it is owned, operated or leased by or on behalf of the Policyholder, or any employer or organization whose eligible persons are covered under this policy; Commercial Pilot and Crew Coverage (Exception to Exclusion # 4): Coverage will be extended to Covered Persons while performing duties of a commercial pilot or crew member;
5. Injury sustained while voluntarily taking drugs which federal law prohibits dispensing without a prescription, including sedatives, narcotics, barbiturates, amphetamines, or hallucinogens, unless the drug is taken as prescribed or administered by a licensed physician;
6. Injury sustained while committing or attempting to commit a felony;
7. Injury sustained as a result of being legally intoxicated from the use of alcohol (For residents of Minnesota, this exclusion is replaced by the following: Injury sustained while operating a motor vehicle while legally intoxicated from the use of alcohol).

Termination: You and your spouses coverage as an Insured Person under the Basic Plan terminates on the earlier of: a) the date the policy is terminated; or b) the date You cease to be a resident of the United States; b) the date the Policyholder terminates coverage under the Basic Plan or ceases to pay the required premium.

Your coverage for Voluntary Benefits terminates on the earlier of: a) the date the Policy is terminated; b) the date you request that Voluntary Benefits be terminated; c) the date You cease to be a resident of the United States or d) the Premium Due Date on which you fail to pay any required premium for Voluntary Benefits, subject to the Individual Grace Period Provision.

ELIGIBILITY LIMITATION: A Covered Person cannot be covered under more than one certificate or Policy which contains a Basic Plan of Accidental Death Insurance, issued by Us to the Policyholder.

Policy Form # 7582 A2 (9920)