Exclusions and Limitations

No benefits are payable for:

1. any day on which you are not under the care of a legally qualified Physician or surgeon; no period of care shall be considered to have started until you have been seen and treated personally by a Physician or surgeon; 
2. any day you are performing work of any kind, anywhere, for compensation or profit;
3. during any leave of absence (including Maternity Leave);
4. any period of illness or injury for which benefits are payable under Employment Insurance;
5. any day you are receiving Disability Benefits, Early Retirement, or Retirement benefits under any Employer or Union sponsored pension plan;
6. any day you are entitled to receive reimbursement under any Workplace Safety and Insurance law or similar legislation;
7. any injury caused or contributed to by a Motor Vehicle Accident which occurs in Ontario or Quebec;
8. for any disability resulting from intentionally self-inflicted injuries, whether you are sane or insane;
9. for any disability resulting from voluntary participation in war, riot or insurrection;
10. for any portion of a period of disability resulting from substance abuse, including alcoholism and drug addiction, unless you are participating in a recognized substance withdrawal program;
11. for the portion of a period of disability during which you are imprisoned in a penal institution or confined in a Hospital or similar institution as a result of criminal proceedings;
12. for disability which commences on or after the date a strike begins, subject to any provincial Employment or Labour Standards Act.  However, you can fulfill your Qualifying Disability Period during a strike.