Limitations Foreign Medical Treatment You are not eligible for benefits during any period of Disability in which you are hospitalized or are receiving medical treatment outside the United States, its territories, or Canada. Mental and Nervous Disorders Payment of LTD Monthly Benefits is limited to the duration shown in Section II - Schedule of Insurance for each Disability caused or contributed to, directly or indirectly, by a Mental or Nervous Disorder. If you are confined in a Hospital at the end of the duration, this limitation will not apply while you are continuously confined. Mental and Nervous Disorders mean physical, mental, emotional, behavioral, or stress-related disorders caused or contributed to, directly or indirectly, by a mental or nervous condition, as classified in the Diagnostic and Statistical Manual of the American Psychiatric Association (DSM) in effect as of the Date of Disability. Drug and Alcohol Disorders Payment of LTD Monthly Benefits is limited to the duration shown in Section II - Schedule of Insurance for each Disability caused or contributed to, directly or indirectly, by a Drug or Alcohol Disorder. If you are confined in a Hospital at the end of the duration, this limitation will not apply while you are continuously confined. Drug or Alcohol Disorders mean physical, mental, emotional, behavioral, or stress-related disorders caused or contributed to, directly or indirectly, by substance abuse or dependency as classified in the Diagnostic and Statistical Manual of the American Psychiatric Association (DSM) and/or the International Classification of Diseases (ICD) in effect as of the Date of Disability. In no case will LTD Monthly Benefits be paid beyond the original Maximum Benefit Period shown in Section II - Schedule of Insurance. Back to Table of Contents