Claims – exclusions

• If disability results either directly or indirectly from self-inflicted injuries or a suicide attempt, whether the insured person is sane or not.
• If disability results either directly or indirectly from a war, whether war is declared or not, a riot or a revolution whether or not the insured person took part.
• During any period where the insured person is imprisoned or if disability results either directly or indirectly from the insured person's participation in any criminal act or related act.
• If disability results either directly or indirectly from the insured person driving a motor vehicle while under the influence of drugs or with a blood alcohol level equal to or greater than 80 mg of alcohol per 100 ml of blood.
• If disability results either directly or indirectly from the illegal or illicit use of any drug, or the abusive or repeated use of alcohol or marijuana.
• If disability results either directly or indirectly from the insured person's participation in a flight or attempted flight in any form of aircraft as a member of the crew or is performing a duty or taking part in any training whatsoever related to this flight or attempted flight.
• If disability results either directly or indirectly from the insured person's participation in a race, competition or speed contest in a motor vehicle as an amateur or professional on approved raceways or elsewhere.
• If disability results either directly or indirectly from treatments or care received for cosmetic purposes.
• If disability results from pregnancy, childbirth or natural or induced termination of pregnancy. However, any disability that results from complications due to pregnancy, childbirth or natural or induced termination of pregnancy is covered.
• If disability results either directly or indirectly from the insured person's participation in a sporting activity for which they are paid.
• If the policyowner of this policy is an individual and the insured person declares bankruptcy after the effective date of this coverage. If the bankruptcy occurs while the insured person is disabled, the Company will stop paying benefits on the date bankruptcy is declared and will terminate the policy.
• If the policyowner of this policy is a business and that business declares bankruptcy after the effective date of this coverage. If the bankruptcy occurs while the insured person is disabled, the Company will stop paying benefits on the date bankruptcy is declared and will terminate the policy.
• If the policyowner of this policy is a business and the insured person relinquishes their ownership interest in the business while they are disabled, the Company will stop paying benefits on the date the insured person no longer has any ownership interest in the business.
• If the insured person leaves Canada to set up permanent residence in another country.
  However, if the insured person leaves Canada while the policyowner is receiving benefit payments, the Company will continue paying benefits:
  • as long as the insured person is disabled
  • In accordance with the provisions of this coverage
• If disability results either directly or indirectly from an illness that occurs in the 6 months that follow the effective date of this coverage, if this coverage was issued as the result of a future insurability option.
• If disability results either directly or indirectly from one of the following disorders or from related treatment or complications, if the insured person does not hold an occupation, is on maternity or parental leave, or is on a paid or unpaid leave of absence by agreement with their employer:
  • Stress
  • Anxiety
  • Depression
  • Neurosis
  • Psychosis
  • Adjustment disorder
  • Fibromyalgia or any chronic pain syndrome
  • Chronic fatigue syndrome
  • Personality disorder
  • Attention deficit disorder
  • Any other emotional or psychiatric disorder