What does this mean (bold) ?
*Any period of time that an Employee was insured continuously under a provincial or territorial long term disability policy, prior to commencing coverage under this policy, shall be counted in determining both the 13 week and 12 month periods below. *
Payment is not made for
*1. a Total Disability due to or resulting directly or indirectly from an Illness which existed on or before *
the commencement date of the Employee’s insurance unless
*A. the Employee has been insured under this provision for a continuous period of not less than 13 *
weeks during which he/she:
*a) has not received medical care, treatment, prescription medicines or diagnostic procedures *
*for such Illness from a Doctor or from appropriately qualified personnel acting under the *
direction of a Doctor, and
*b) has been continuously Actively At Work (for the purposes of this clause, Sun Life will *
disregard absences of a total of not more than 2 days during the same 13 week period), or
*B. the Total Disability commenced after the Employee has been insured under this policy for a *
period of at least 12 months.