Exclusions & Limitations
 
No benefits are paid for any disability: 1. that began before your coverage under this policy started; 2. for which you are not under the regular and appropriate care of a physician; or 3. that results from or is caused by: a. war or act of war, whether war is declared or not; b. your service in the armed forces, military reserves or national guard of any country or international authority, or in a civilian unit serving with such forces; c. intentionally self-inflicted injury or illness, while you are sane or insane; d. sustained in the perpetration by you of an illegal act; e. an illness or injury for which workers’ compensation disability income benefits are payable or may be payable; f. for any day for which you perform work or are able to perform work for remuneration, profit or any benefit, monetary or otherwise; or g. for a pre-existing condition for which medical advice or treatment has been received within the ninety (90) days immediately prior to becoming covered under the group contract. A pre-existing condition is a disease or physical condition caused by illness or injury which began prior to the effective date of this policy. A pre-existing condition shall be covered only after the individual has been covered for more than twelve (12) continuous months under the group contract.
 
The information in this material is not intended as an offer of coverage (“Invitation to Contract”). It is for illustrative purposes only, providing a general overview of the services described. It is not a contract. Policies are subject to Underwriting approval. Policies are reviewed annually and may be cancelled for nonpayment. All coverage extends up to policy limits. Please refer to the policy for coverage details, a complete listing of covered services, provisions, conditions, exclusions, and terms under which the policy may be continued or cancelled. In the event of conflicting information with the policy, the policy will take precedence over what is shown in this material. Claim payment is not guaranteed; benefit amount depends on wages. ShelterPoint is a registered Service Mark. 

Not available in all jurisdictions.
   
Underwritten by:
ShelterPoint Life Insurance Company (principal office in Garden City, NY) in: CT (GSTD-P/C-CT), DC (GSTD-P/C-DC 04/01), DE (GSTD-P/C-DE), IL (GSTD-P/C-IL 11/00), MA (GSTD-P/C), MI (GSTD-P/C-MI), MN (GSTD-P/C-MN), PA (GSTD-P/C).