Important Definitions

Injury

Injury means bodily damages:

  • caused directly and independently of all other causes by an accident; and,
  • which results in loss covered by the Plan

Sickness

Sickness means illness or disease for which treatment is received while the person is covered under this Plan.

Disability

Disability means either a sickness or injury

Plan Year

A plan year means the fiscal year as described under period of coverage above.