Definitions and exclusions

Definition of Total Disability

During the elimination period and for the first 24 months, you are considered totally disabled if sickness or injury prevents you from performing the essential duties of your regular occupation, you are under the regular care of a physician and you are not gainfully employed elsewhere.

After 24 months, you are considered totally disabled if sickness or injury prevents you from working at any occupation for which you are qualified by education, training or experience, you are under the regular care of a physician and are not gainfully employed elsewhere.

Long Term Disability Insurance Exclusions

No benefits are payable for claims resulting directly or indirectly from any of the following:

  • self-inflicted injury regardless of whether you have the ability to form the requisite intent or regardless of whether you have a mental illness such that you do not know or understand the consequences of your action(s);
  • voluntary participation in a riot or act of civil disobedience; declared or undeclared war, insurrection or rebellion;
  • declared or undeclared war, insurrection or rebellion;
  • committing or attempting to commit a criminal offense;
  • normal pregnancy and/or childbirth;
  • during any period of imprisonment;
  • travel or flight in any aircraft if you have any duties on or related to such aircraft or flight, or if you are flying in the course of any aviation training, instruction, testing or armed maneuvers.