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LIMITATION• SPECIFIED INJURIES OR SICKNESSES then Partial or Employee is Disabled LIMITATION 1 Total Disability prim Y du • 2 ill be payable subject t ty Monthly Benefits: e to one or more of the S Will be limited to 24 the terms of this Policy; Specified Injuries or Sicknesses defined Hospital. months for an Y; but _ Y one period of Disability; unless the Insured Employee "Specified Injuries or Sicknesses" 6 p oyee is confined to a include any Mental CONDITIONS use Sickness, or Substance Abuse, , as defined below. If the Insured Employee is confined for the Specified In' in a Hospital at 2' In no event will the Injury or Sickness; then benefits will beend of the 24th Monthly Benefit be month for which Polic Insurance, however. Payable until he or she is discharged from enefi facility. paid paid beyond the Maximum Benefit period shown in the he Schedule of "Hospital," as used in this hospital provision 1 a general ' means: Which: (a) is licensed, approved or certified b (b) is recognized by the Joint Commission the state where it is located- is is operated to mmission on treat resident in the Accreditation of facility and place where patients; has a registered nurse a waspitals, or 2. a skilled nursing ajor surgery skilled g care facility or unit ge is performed; and Ys on duty; and has The to nursing care facili 'which provides convalescent or a lab x-ray term Hospital also includes: ty under Medicare. l • a Mental nursing care; and which is recognized as a a Treatment Center when trey Mental Sic treatment is for Substance mess. and tental Hospital" means a health care f Abuse. l is licensed, certified or a facility ty m its psychiatric unit) which.- is equipped to treat resident approved as a mental hospital b 3• has a resident patients' Y the state where it is located; Psychiatrist on du mental diseases or disorders duty or on call at all t' , and "Mental Sickness" tines. disorder, disturbance deans any emotional, or 'behavioral, psychological, Personality 1 schizo syndrome; regardless of its cause. 1 2. p schizophrenia or schizoaffective disorder; �' adjustment bi bipolar affective disorder, It includes ,mood or stress- related abnorrnality, 3. obsessive -coin but is not limited to: manic depression, or other psychosis These conditions are pulsive, depressive Treatment usually sually treated b 'panic or anxiety disorders. and Y involves psychothera Y a psychiatrist, a clinical PY, psychotropic dings ors' psychologist or other Mental Sickness does not ' similar methods t treatment. mental l include ' tment. health care provider. stroke, trauma irreversible dementia resulting from; 2 ,viral infection, Alzhe- other conditions which are not usualllMer s disease; or drugs, or similar methods of trey Y treated by a mental health care 'Substance „ treatment. provider using Abuse means alcoholism, drug g psychotherapy, psychotropic Treatment Center g abuse, or chemical dependent I " means a health care facility of any type is licensed, certified or a ty for its medical or 2• has a program for in approved b psychiatric unit 3 Y the state where it is located; ) Which: provides such treatmentlbas based treatment of substance upon a written abuse; and • plan approved and supervised by a physician. 1001- LTD -17 98 FL 25