Question: I joined the Public Service in December 2010 and had a pre-existing medical condition. For the 1st three months of my employment, the health issues were not a problem. However, they have recurred recently and I may need to go on medical leave. Will my Sun Life disability policy cover me?
Answer: Pre-existing condition
During the first year of your coverage under the Disability Insurance plan you may experience a worsening of a condition that already existed at the time that you were hired. If this pre-existing condition results in total disability, you will only get Disability (DI) Benefits if:
• You had a consecutive 13 week period when you did not need medical attention for that condition.
• You were not absent from work for more than two full days.
Unless you meet both conditions, your claim will not be paid. However, this restriction no longer applies after your first full year of employment. It does not apply to any other disabling condition that is unrelated to your pre-existing condition.