Sickness

Many policies distinguish between a disability caused by injury versus one caused by sickness/illness. Disability due to sickness is typically defined as sickness or disease that firsts manifests itself on or after the effective date of a policy, while it is in force. Under some disability policies, the amount and duration of benefits is determined based on whether a disabling condition is classified as an injury or sickness.

Click here to learn more about how your policy may treat disabilities due to sickness different than disabilities due to injury.