<Why do you need to understand the policy of your disability benefits insurance companies?>
-While your disability benefits insurance companies are to pay your short-term and long-term disability benefits until you cease to be disabled, your policy contains the definition of disability and duration of your benefits.
-Here are examples of how the policy of disability benefits insurer is laid out:
1.CIGNA Life Insurance Company of Canada (from Moore v. Haw, 1997 CanLII 12295 (ON SC))
-DISABILITY
–>An insured employee in Class II or III will be considered Disabled if because of Injury or Sickness:
He is unable to perform all of the material duties of his regular occupation; and after Monthly Benefits have been payable for 24 months, he is unable to perform all the material duties of any occupation for which he is or may reasonably become qualified based on his education, training or experience.
2. London Life Insurance Company (from London Life Insurance Company v. Forget (Gen. Div.), 1991 CanLII 7213 (ON SC)) Short Term Disability Insurance
(1) Benefit If an insured person becomes totally disabled and is continuously so disabled for the waiting period shown on the data page, London Life will pay the short term disability benefit for which the person was insured at the commencement of total disability.
