What disabilities does the program cover?

It provides coverage for Total Disability, which means your doctor has stated that you have a medically determined sickness or accidental injury that is expected to prevent you from performing all of the essential functions of your job for the next 30 days. EXCEPT: There is no coverage for a Total Disability that results directly or indirectly from a normal pregnancy, war or any act of war, use of alcoholic beverages or narcotics (including hallucinogens) unless they are administered on the advice of and taken as directed by a licensed physician other than you or an immediate family member; or elective surgery. We will not pay a benefit if Your Total Disability starts within 6 months after the Effective Date of Insurance and is directly or indirectly caused by a Pre-Existing Condition.

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