Glossary

Wherever used in the policy:

Accident

means any event due to sudden and unforeseeable external causes that inflicts bodily injuries that are certified by a Physician, directly and independently of any other cause. It does not mean any form of disease, or degenerative process, an inguinal, femoral, umbilical or incisional hernia, or any infection other than an infection of a visible, external cut or wound accidentally sustained.

Actively At Work

means, on any day, the performance by the Employee of all the usual and customary duties of his job with the Employer for the scheduled number of hours for that day.

Age

means the age of the Insured Person on his last birthday when stated or calculated, or on the day when an event referred to under the policy occurs.

Continuing Medical Care

means the treatment a Participant receives. It must be accepted by the medical profession as an effective, appropriate and essential treatment in the diagnosis or care of the specific Illness or injury. It must be reasonable, considered as standard practice and provided or prescribed by a Physician or, when the Insurer deems necessary, by a specialist in the appropriate field. Such care is not limited to examination and tests, and must be provided at the frequency required for the specific Illness or injury.

Earnings

means the normal basic remuneration paid to the Employee by the Employer, including any regular overtime pay, bonus or other shift premium forming an integral part of normal remuneration as defined under the Employment Insurance Act, and which is declared to the Insurer by the Employer.

Employee

means a person who is domiciled in Canada and who is a principal, vice-principal, management or non-unionized support staff member employed by the Employer on a permanent full-time basis for not less than the number of hours specified in the Benefit Schedule.

Employer

means any organizations listed on the application of the Policyholder for the policy or specified in the Benefit Schedule.

Family-Related Leave

means any leave of absence from work taken by a Participant in accordance with such provincial or federal legislation, or an agreement between the Participant and the Employer.

Hospital

means any hospital that is designated as such by law and is intended for the care and treatment of sick and injured individuals, and which has organized facilities for diagnosis and major surgeries as well as 24 hour nursing service. The term does not include a nursing home, home for the aged or chronically ill, rest home, Convalescent Hospital, or a place for the care and treatment of alcoholism or drug abuse.

Illness

means any health deterioration or bodily disorder certified by a Physician. For the purposes of the policy, organ donations and related complications are also considered illnesses.

Immediate Family

means a person who is the Spouse, son, daughter, father, mother, brother, sister, son-in-law, daughter-in-law, father-in-law, mother-in-law, brother-in-law or sister-in-law of the Participant.

Insured Person

means the Participant or one of his insured Dependents, as the case may be.

Insurer means

Desjardins Financial Security Life Assurance Company.

Maternity Leave

means any leave of absence from work due to pregnancy in accordance with any labour standards legislation that is applicable in the Insured Person’s province of residence. Maternity Leave consists of a voluntary portion and a “health related portion.” The “health related portion” of the Maternity Leave commences on the date of the delivery and lasts for at least 6 weeks (8 weeks for a Caesarean delivery). The person is considered to be on Maternity Leave during the entire period for which she is receiving maternity benefits under any provincial or federal legislation. If she is absent from work due to a Total Disability that commenced before or during pregnancy, she is considered to be on Maternity Leave in accordance with any provincial or federal legislation.

Parental Leave

means any leave of absence from work taken by a Participant to take care of his newborn or adopted child, in accordance with such provincial or federal labour standards legislation, or an agreement between the Participant and the Employer.

Participant

means an Employee who is insured under the policy.

Physician

means a legally qualified medical practitioner lawfully entitled to practice medicine in the place where they provide the medical services.

Policyholder

means the company or group indicated on the application and specified on the cover page of the policy.

Total Disability or Totally Disabled

means

1. during the Elimination Period provided for in the Long Term Disability Benefit and the succeeding 24 months, a state of incapacity, resulting from an Illness or Accident, which wholly prevents the Participant from performing each and every essential duty of his regular occupation;
2. after the Elimination Period and the succeeding 24 months have elapsed, a state of incapacity, resulting from an illness or accident, which wholly prevents the Participant from working in any occupation for which they are suited by education, Training and Experience.Whether or not any such gainful occupation is available in the area where the Participant resides does not affect his entitlement to disability benefits.

A Participant who needs a driver’s licence issued by the government to perform the duties of his regular occupation is not considered disabled simply because his licence has been revoked or has not been renewed.

Training and Experience

means all of the knowledge and skills the Participant acquired while in school, in the performance of his current or former professional activities or during his non-working hours.