REHABILITATION PROVISION. Where you become disabled and engage in any gainful occupation for the purpose of rehabilitation, you will continue to be considered as disabled, provided you have not engaged in such occupation until you have been continuously disabled for a period of disability at least equal to the Qualifying Period or until you have engaged in such occupation for twenty-four (24) consecutive months.
REHABILITATION PROVISION. If an employee accepts rehabilitative employment during a period of total disability during which benefits are paid or could be paid, the benefit payable will be reduced by an amount equal to of the gross remuneration which the employee receives from his rehabilitative employment. These benefits are only payable for a period to be approved by the insurance company, which period shall not in any case exceed months. OF BENEFITS Your monthly benefit payments under this plan will be reduced by the primary amount which may be payable under the Canada Pension Plan, Quebec Pension Plan, any Worker's Compensation law or any law related to automobile insurance. Furthermore, your monthly payments under this benefit will be adjusted, if necessary, so that the sum of all income to you under this plan, from another group insurance plan, your employer's Pension Plan or Government Pension Plan, do not exceed of your gross earnings at the time of commencement of total disability. No monthly payment will be payable if your total disability has occurred as a result of any of the following causes: Intentionally, self inflicted injury. Commission or attempt to commit assault, battery or an offence under the Criminal Code of Canada. War, act of war, insurrection, rebellion, riot or civil commotion. Flying (or an attempt to fly) as a pilot or a crew member. Pregnancy (except complications).
REHABILITATION PROVISION. Both you and the insurance company benefit if you can return to work. For this reason, most disability insurance policies cover the cost of rehabilitation in an approved program up to a certain maximum. Optional benefits and riders Optional benefits and riders are policy add−ons that enable you to customize an individual disability policy to fit your needs. Occasionally, some of these riders or optional benefits will be included as base coverage, but most of them often must be purchased separately and may substantially increase the cost of the policy. You may need to purchase some of the riders when you buy the policy; others may be added on to the contract after the policy is issued. The following section details some (but not all) of the optional benefits and riders that can be added on to a disability insurance policy. For more types, see Options and Riders. Automatic benefit increase rider This rider (sometimes offered as part of the basic policy) stipulates that the monthly policy amount will be adjusted automatically every year to account for pay raises or increased income you may receive after you've purchased a disability policy. The rider provides annual increases for a certain term (often five years). During this time, you won't have to provide any proof that your income has gone up. However, upon renewal of the rider, you may have to show evidence that your income has increased; otherwise, you won't be able to renew the rider.
REHABILITATION PROVISION. Where you become disabled and engage in any gainful occupation for the purpose of rehabilitation, you will continue lo be considered as disabled, provided you have engaged in such occupation until you have been continuously disabled for a period of disability at least equal to the Period or until you have engaged in such occupation for (24) consecutive months. The amount of Disability Income payable to you under this provision will be equal to the of Disability Income Benefit payable to you, reduced by of the earnings received by you from any occupation engaged in during such disability, or, to extent necessary so that the total you receive from all sources, including plan, but not an individual insurance policy, will not exceed seventy-five percent (75%) of earnings you were receiving from your normal immediately before you became disabled, whichever results in lesser amount of Disability Income Benefit being payable to you.
