Common use of Limitations; Exclusions Clause in Contracts

Limitations; Exclusions. Benefits will not be paid: • Unless the employee is under the active continuing care of a physician legally licensed to practice medicine, and are following the treatment prescribed by the physician for that disability; • During any period of time that the employee is in receipt of maternity or parental benefits under the Employment Insurance Act (This does not apply for any disability which may occur outside the time they are in receipt of maternity or parental benefits.); • While the employee is engaged in any employment for wage or profit not authorized by a physician and the Company; • Due to or resulting from any cause for which indemnity or compensation is provided under any worker’s compensation legislation or similar legislation; • While on a leave of absence; • If the employee’s disability is due to a motor vehicle accident and they are in receipt of income replacement under any automobile insurance plan which has been approved as an acceptable limitation by Employment Insurance legislation (the Company will pay for any waiting period which may apply); • Due to surgery solely for cosmetic purposes; • If the employee’s illness or injury results from service in the armed forces; • While the employee is serving a prison sentence that would impede their ability to attend work; • If the employee becomes disabled while travelling outside of Canada (for reasons other than business travel) until such time as they return to Canada, unless the attending physician advises that they are unable to return due to their disability. • For any period for which the employee receives retirement benefits under any pension plan established by the Company; • For injuries or illness commencing during a strike or lock-out; benefits would commence if the employee was still disabled when re-called to work; • Due to illness or injury resulting from participation in a riot or disorderly conduct, war or insurrection whether declared or undeclared; • For injuries or illness sustained while committing a criminal offence;