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This benefit provides a monthly income (usually to age 65) for employees who become totally disabled due to accident or sickness and are unable to work.
Benefit Amount
The benefit amount is normally expressed as a percentage of salary and includes a maximum dollar amount of benefit.
Pre-Existing Conditions
Pre-Existing Conditions can vary from plan to plan. The following is a common pre-existing condition.
Benefits will not be paid for a sickness or injury for which the employee received medical treatment, consultation, care or services within 6 months of their effective date. This exclusion will not apply to a disability which commences more than 12 months after the effective date.
General Exclusions
- Disabilities resulting from the following will not be covered:
- criminal code offences and/or unlawful acts
- self inflicted injury or illness
- war, riot, insurrection, civil commotion, or service in the Armed Forces
- medical or surgical care which is cosmetic.
For more information please contact your Plan Advisor or BC Life.
The information provided on this Web site is intended to be general information only, and does not form a contract. For specific details of your group's Pacific Blue Cross or BC Life benefit coverage, please refer to your employee handbook, or consult your benefit administrator. Benefit Administrators may refer to their Pacific Blue Cross contract or BC Life policy. They may also contact their broker/consultant or Pacific Blue Cross/BC Life. Groups wishing to apply for Pacific Blue Cross or BC Life coverage should contact their broker/consultant, or Pacific Blue Cross/BC Life.
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