What is excluded from coverage under a long-term disability policy?


Exclusions in disability policies are those situations or events under which the policy will not pay a claim. The standard exclusions apply to disabilities arising as a result of a crime, self-inflicted injuries, war or military action. Also, any pre-existing health condition (meaning, any health issue that was present at the time of application) will usually be excluded from coverage. Be sure to check any insurance proposal for these exclusions so you are fully informed as to what is not covered.