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Pre-existing Condition: means having a sickness or physical condition for which you underwent treatment, for which you received medical advice, or for which you had taken medication within 12 months before the effective date of your policy. If the policyholder becomes disabled because of a pre-existing condition, the policy does not Ray for any disability period if it begins during the first 12 months the policy is in force. Any recurrent disability caused by a pre- existing condition will not be covered if it is treated as a continuation of the previous disability. Waiver of Premium Benefit+ means that after you have been totally disabled for more than 90 days (while your policy is in effect), or after the elimination period shown in your policy (whichever is greater), we will waive the premium for as long as you remain totally disabled. The prerniurn will be waived up to the maximum benefits period shown in your policy. There is not limit to the number of times you can receive the waiver of Premium benefit. This Waiver of Premium benefit does not apply to any period that you are totally disabled due to an accident or condition which is excluded by name or specific description in the policy. Recurrent Disability: means your becoming disabled, ceasing to be disabled, then becoming disabled again for the same or related condition_ The latter disability will be considered a recurrent disability. A recurrent disability will be treated as a continuation of the previous disability, not a new dtsa bil ity, if you have returned to work for less than six months. Worldwide Coverage: means policyholders that become totally disabled by a covered accident or covered sickness while outside the covered geographical areas, (over 40 miles outside the territorial limits of the United States, Canada, Mexico, Puerto Dice, the Bahama Islands, the Virgin Islands, Bermuda or Jamaica), and are disabled for longer than the elimination period will be eligible to receive benefits. Limitations apply. Benefits will not be paid for losses which are caused by or occur as the result of: • Involvement in any period of armed conflict. • Riding ng in or driving any motor - driven vehicle in an organized race, stunt shover or speed test. • Operating, learning to operate or serving as a crew member of any aircraft,; including those which are not motor driven. This does not include flying as a fare - paying passenger. • Participating or attempting to participate in a felony or an illegal job or activity.