Manulife has modernized contract wording used for self-inflicted injury exclusions
After reviewing certain contract wording used in Group Benefits policies, Manulife has changed references to self-inflicted injury exclusions.
Our updated contract wording removes dated terminology and reflects our approach to managing claims for plan members who suffer from mental illnesses. These changes came into effect, starting January 1, 2017.
Three things you need to know about the contract wording changes:
- No action is required by you.
- Manulife is adjudicating according to the updated wording.
- We will only send out an updated contract if you amend your plan. However, if you require an updated contract, you can request one from your Manulife representative.
Here’s how we’ve changed the contract wording
The updated contract wording better reflects Manulife’s understanding of mental health. First, we have removed references to whether a member is sane or insane.
In addition, we have updated the self-inflicted injury exclusion clause for the following benefits:
- Short Term Disability and Short Term Disability Advisory Services
- Long Term Disability
- Extended Health Care: Out of Province, Out of Canada and Emergency Travel Assistance
The exclusion clause now indicates that no benefits are payable for any loss related to self-inflicted injuries, unless medical evidence establishes that the injuries are related to a mental health illness.
Finally, we have removed the exclusion clause entirely for Extended Health Care benefits (other than travel benefits noted above) and dental benefits.