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Disability Income Insurance: Individual: 101

Exclusions And Limitations

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All plans have exclusions -- reasons the plan will not pay benefits -- or limitations on the maximum benefit period such as the Mental and Nervous limitation just mentioned.

Disabilities for the following reasons are usually excluded from coverage completely:

  • Pre-existing conditions.
  • Declared or undeclared war.
  • Injury incurred while participating in the commission of a felony.
  • Work-related injury which is usually covered by Workers' Compensation Insurance. To learn more, see Workers' Compensation.
  • Substance abuse, although some plans will pay benefits provided the claimant is participating in an approved treatment program.
  • Self-inflicted injuries.

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