Many policies distinguish between a disability caused by injury versus one caused by illness/sickness. Disability due to injury is typically defined as accidental bodily injury that occurs on or after the effective date of the 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 as an illness.

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