Q. Is there a pre-existing conditions provision? A. Yes. Your plan may not cover a sickness or accidental injury that arose in the months prior to your participation in the plan. A complete description of the pre-existing condition exclusion is included in the Certificate of Insurance/Summary Plan Description provided by your Employer. Q. Are there any exclusions to my coverage? A. Yes. Your plan does not cover any Disability which results from or is caused or contributed to by:  War, whether declared or undeclared, or act of war, insurrection, rebellion or terrorist act;  Active participation in a riot;  Intentionally self-inflicted injury or attempted suicide;  Commission of or attempt to commit a felony. For Long Term Disability, limited benefits apply for specific conditions, such as, mental or nervous disorders or diseases, alcohol, drug, or substance abuse or addiction. Other limitations or exclusions to your coverage may apply. Please review your Certificate of Insurance provided by your Employer for specific details or contact your benefits administrator with any questions. The “Plan Benefits” provides only a brief overview of the LTD plan. A more complete description of the benefits provisions, conditions, limitations, and exclusions will be included in the Certificate of Insurance. If any discrepancies exist between this information and the legal plan documents, the legal plan documents will govern. Long Term Disability (“LTD”) coverage is provided under a group insurance policy (Form GPNP99) issued to your employer by MetLife. This LTD coverage terminates when your employment ceases, when you cease to be an eligible employee, when your LTD contributions cease (if applicable) or upon termination of the group contract by your employer. Like most insurance policies, insurance policies offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions, limitations, and terms for keeping them in force. Please contact MetLife or your plan administrator for complete details. State variations may apply. 1 Under certain circumstances, MetLife may estimate the amount of income you may receive from other sources. 200 Park Ave., New York, NY 10166 © 2022 MetLife Services and Solutions, LLC DI-GCERT-STDLTD LTD GCERT Benefit Summary L1222028130[exp0624][xCA]