Opinion ID: 869778
Heading Depth: 5
Heading Rank: 2

Heading: any other federally- or state-controlled sub-

Text: stance in an unlawful manner; c. non-prescription medication, in a manner other than as indicated in the printed instructions; or d. poison, except for accidental ptomaine poisoning. 6. the voluntary inhaling of gas (unless due to occupational accident); or 7. sickness other than infection occurring as a result of accidental injury. J.A. 226. With two exceptions, the terms of the employer- and employee-paid policies are virtually identical. First, the employee-paid policy includes an additional category in the limitations clause for which AD & D benefits are not payable—participation in hang-gliding, bungee jumping, automobile racing, motorcycle racing, skydiving, rock climbing, 6 JOHNSON v. AMERICAN UNITED LIFE INSURANCE or mountain climbing. J.A. 269. Second, the employee-paid policy provides an additional AD & D benefit not available under the employer-paid policy—the Seat Belt benefit. According to the policy, AUL will pay an additional accidental death benefit, called the Seat Belt Benefit, if a Person dies as a result of an Automobile accident while properly wearing a Seat Belt at the time of the accident. J.A. 270. Significantly, the Seat Belt Benefit alone is expressly subject to a drunk-driving limitation clause: This benefit will not be paid if the Person, while operating the Automobile, was legally intoxicated as defined by applicable laws, violating traffic laws, racing, stunt-driving, or engaging in other similar activity during the accident. In addition to the above limitation, this benefit is subject to the further limitations and provisions of this AD & D section. J.A. 270 (emphasis added).