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• Committing or trying to commit suicide or injuring yourself intentionally, <br />whether you are sane or not. <br />• Addiction to narcotics, unless administered on the advice of a doctor. <br />• Having a pre-existing condition as described and limited by the pol icy_ <br />• Having a psychiatric or psychological condition, including but not limited to, <br />affective disorders, neuroses, anxiety, stress and adjustment reactions. <br />However, Alzheimer's Disease and other organic senile dementia's are <br />covered. <br />You're giving birth within the first nine months after the effective date of the <br />policy. Medical complications of a pregnancy will be covered if the medical <br />complication otherwise meets the definition of a covered sickness. <br />Another option would be City paid STD. <br />Pays out at 66213 % of income up to a $1,200.00 weekly cap. <br />Cost - 25cents per 1 0.00 of weekly benefit. - cost would be approximately 2,000 <br />per mo. or 14.65 per full -time employee at 139 employees and an average <br />income of 2.00 /hour. <br />