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Your covered expenses exclude the following:

  • Any salaries, fees, drawing accounts or other remuneration for you, a close relative or any person who is hired to be your replacement
  • Salaries of employees hired after the start of your disability and close relatives hired within six months of the start of disability
  • Payment of principal for any debts
  • Income taxes
  • Cost of new merchandise, goods, materials, equipment, leased automobiles, furniture or fixtures
  • Payment of your or your partner's annuity or retirement plan
  • Personal expenses such as vehicle expenses, club fees, salary, draw, fees, or profit, charitable contributions and life insurance
  • For a partnership or shared facility, any shared expenses for which you are not regularly liable for payment

Your Plan does not cover any disabilities caused by, contributed to by, or resulting from any of the following:

  • Intentional self-inflicted injuries or attempted suicide
  • Injury sustained in aviation, other than as a fare-paying passenger on a scheduled or charter flight operated by a scheduled airline
  • Active participation in a riot
  • Commission of a felony that you have been convicted of under state, provincial or federal law
  • Injury sustained while you are serving as a member of the armed forces of any country or international authority
  • War, declared or undeclared, or any act of war
  • Pregnancy, but this does not include a complication of pregnancy.
For additional information please reference your booklet-certificate.​