Any ideas on what the meaning would be?

Disability Insurance
1

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. *

.
.
.
.

*Limitations *

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.

1 Like
2

It hurts my brain to try to figure this out.
I think the 12 months means if you have a preexisting condition you have to work 12 months before you can get disability for the preexisting condition.
I have no guess what the 13 weeks is.
Hopefully someone else knows what it all means.

3

Totally hurts my head.

I’m good with the bottom text describing limitations.

But it’s the paragraph above it that I don’t get.
.
.
.
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

4

I think if someone was on ODSP (in Ontario).

5

One of the first rules of lawyering is to never try to interpret a clause form a contract without reading the entire contract. Context is very important to understand what it would mean.