MMC Benefits Handbook
Exclusions
Are there any restrictions or exclusions?
Yes. For the plan year beginning July 1, 2006, no benefit is paid for:
  • disabilities not treated by a licensed physician who is qualified to treat your condition
  • intentionally self-inflicted injuries
  • disabilities as a result of declared or undeclared war or act of war
  • disabilities as a result of the commission of a felony.
Note: Previous to July 1, 2006, a benefit is paid for disabilities as a result of declared or undeclared war or act of war outside the United States, Canada, Puerto Rico, Bermuda, Barbados, and the Cayman Islands for covered employees assigned on a temporary basis by the Company outside their country of regular employment but no benefit is paid for disabilities as a result of voluntary participation in a riot.