Definitions and exclusions
Definition of Total Disability
You are considered totally disabled if you are:
- unable to perform the essential duties of your regular occupation, as a result of Illness or injury, and
- under the regular care of a physician and are not gainfully employed elsewhere.
Professional Overhead Expense Insurance exclusions
No benefits are payable for claims resulting directly or indirectly from any of the following:
- declared or undeclared war, insurrection or rebellion;
- voluntary participation in a riot or act of civil disobedience;
- 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);
- committing or attempting to commit a criminal offense;
- normal pregnancy and/or childbirth.