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.