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Benefit Exclusions
Like any insurance, this AD&D insurance policy does have exclusions. Benefits will not be paid if death or dismemberment occurs as the result of: • War, declared or undeclared, or any act of war • Intentionally self-inflicted injuries, while sane or insane • Suicide, or suicide attempt, while sane or insane • Active Participation in a riot • Committing or attempting to commit a felony • Disease, bodily or mental illness (or medical or surgical treatment thereof) • Infections • Controlled Substances voluntarily taken, ingested or injected, unless prescribed or administered by a Physician • Serving on full-time active duty in the Armed Forces of any country or international authority. • The presence of alcohol in the Covered Person’s blood which raises the presumption that the Covered Person was under the influence of alcohol and contributed to the cause of the accident.
This is an incomplete list of benefit exclusions. A complete list is included in the policy. State variations apply.
This is not intended as a complete description of the insurance coverage offered. Controlling provisions are provided in the policy, and this summary does not modify those provisions or the insurance in any way. This is not a binding contract. A certificate of coverage will be made available to you that describes the benefits in greater detail. Refer to your certificate for your maximum benefit amounts. Should there be a difference between this summary and the policy, the policy will govern.
LifeKeys ® services are provided by ComPsych® Corporation, Chicago, IL. ComPsych®, EstateGuidance® and GuidanceResources® are registered trademarks of ComPsych® Corporation. TravelConnect ® services are provided by On Call International, Salem, NH. ComPsych® and On Call International are not Lincoln Financial Group® companies. Coverage is subject to actual contract language. Each independent company is solely responsible for its own obligations.
The TravelConnect ® program is not available to insured employees and dependents of policies issued in the state of New York.
Group insurance products and services described herein are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so. In New York, insurance products are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group® companies. Product availability and/or features may vary by state. Limitations and exclusions apply. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations.
©2020 Lincoln National Corporation LCN-3366447-121020
Voluntary AD&D Insurance At-A-Glance
LFE-ADD-BRC001
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