Definitions and exclusions

Definitions

Spouse
Spouse means your spouse by marriage or under any other formal union recognized by law; or a person of the opposite sex or of the same sex who is publicly represented as your spouse for a period of at least 12 months. You can only cover one spouse at a time. Discontinuance of cohabitation terminates the eligibility of a common-law spouse.

Dependent children
Dependent children means you or your spouse's children (other than a foster child) who are not married or in any other formal union recognized by law, and are under the age of 21 (age 25 if a full-time student), as long as the child is entirely dependent on you for financial support including if a child becomes handicapped before the limiting age. We will continue coverage as long as the child is incapable of financial self-support because of a physical or mental disability and the child depends on you for financial support, and is not married nor in any other formal union recognized by law. A dependent child may only be insured by one member covered under the plan.

Definition of Total Disability
For the purposes of Term Life Insurance coverage, you will be considered totally disabled if you are prevented by illness from performing any occupation you are or may become reasonably qualified for by education, training or experience.

Sun Life Assurance Company of Canada must receive proof of your total disability within 12 months of the date the disability begins. After that, Sun Life can require ongoing proof that you are still totally disabled.

If proof of total disability is approved after an individual insurance policy becomes effective as a result of converting the group Life coverage, the group Life coverage will be reduced by the amount of the individual insurance policy, unless the individual insurance policy is exchanged for a refund of premiums.

Exclusions

No benefits are payable for a death which occurs before insurance under this benefit has been in effect continuously for two years with respect to the deceased, if death results directly or indirectly from self-inflicted injury or suicide, 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).

If the Term Life Insurance is subject to more than one effective date due to additional amounts having been applied for on the deceased, the 2-year period will run separately from each effective date.