Recurrent disability

If, after a disability, the insured person becomes disabled again due to the same cause or a related cause, the new disability is considered a recurrence if it occurs within:

• 6 months of the end of the first disability: Classes A, B, 2A
• 12 months of the end of the first disability: Classes 3A, 4A

In such a case, no new waiting period applies and the policyowner will receive benefits for a period not exceeding the number of months remaining in the benefit period applicable to the first disability.