What the LTD Plan Does Not Cover

LTD benefits will not be paid for a disability that result, directly or indirectly, from:

• Suicide, attempted suicide, or whenever a participant injures himself or herself on purpose;
• War or any act of war, whether or not declared (For Class 1 employees only);
• Serving on full-time active duty in any armed forces. If the participant sends proof of military service, the plan will refund the portion of the premium paid to cover the participant during a period of such service;
• Active participation in a riot;
• Commission of a felony; or
• Revocation, restriction or non-renewal of a participant's license, permit or certification necessary to perform the duties of his or her occupation unless that is due only to covered injuries or illnesses.

LTD benefits will not be paid for any period of disability during which the participant:

• Is incarcerated in a penal or corrections institution;
• Is not receiving appropriate care under a licensed physician;
• Fails to cooperate with the plan in the administration of the claim, such as providing any information or documents needed to determine whether benefits are payable or the actual benefit amount due;
• Refuses to participate in rehabilitation efforts as required by the plan; or
• Refuses to participate in a Transitional Work Arrangement or other modified work arrangement.

  "Transitional Work Arrangement" means any work offered to the participant by SAIC or an affiliated company while the participant is disabled and which may be his or her own or any occupation. The term includes but is not limited to reassigned duties, work site modification, flexible work arrangements, job adaptation or special equipment.

For more information about what the LTD Plan does not cover, refer to the plan's certifcate of coverage.