RBC Disability Insurance Modifications

[rsaravia]

I am getting ready to sign a policy with RBC for Disability insurance. RBC has included a modification to my coverage. Is this anything I need to be worried about?

Policy details below

This policy does not cover any loss caused or contributed by or any complications arising from (1) any psychiatric or emotional disorder, including but not limited to depression, anxiety, stress, burnout or substance abuse disorder; (2) chronic fatigue syndrome; (3) chronic pain syndrome; or, (4) fibromyalgia.

Details on Policy:

• Commencement Date: 91st day of disability
• Maximum Monthly Amount: $8,000.00
• Maximum Benefit Period: 60 Months

Thanks in advance for your help with this.