Policy - Suicide Clause question

Hi there

I’m trying to determine if my spouses life insurance through work is now null and void. She has been with the employer 10 years and as far as I know had life insurance the entire time.

She recently passed and coroner is investigating ; highly likely cause of death will be suicide by overdoses

"No optional life insurance benefit is payable in respect of a participant who commits suicide or dies as a result of a suicide attempt, while sane or insane, within two years of the effective date or reinstatement date of his insurance, or the effective date of any subsequent increase to the initial amount of insurance. The insurance or the increase, as the case may be, is then null and void and the insurer's liability is limited to refunding the premiums paid."

Does this mean I’m screwed or the 2 years don’t matter as she is a 10 year employee.

Thanks to all that can interpret this.