Private disability insurance policies vary significantly from policy-to-policy, and so too do the coverage exclusions that apply to insureds.

Whether certain coverage exclusions apply to your policy — and the limitations imposed by those exclusions — is often heavily dependent on how “premium” the disability insurance policy is. More expensive policies tend to feature fewer limitations and more generous benefits.

Despite these variations, there are certain exclusions that are more commonly encountered than others in the disability insurance context. These include, but are not necessarily limited, to exclusions that disqualify coverage to those who have been:

  • Disabled through intentional or self-inflicted injuries
  • Disabled pursuant to military service
  • Disabled in an “extreme” and “risky” scenario, as defined by the insurance policy (i.e., skydiving, bungee jumping, etc.)
  • Disabled during the commission of a criminal offense
  • Disabled due to some specific condition (the insurance policy may define a range of conditions that will not qualify)
  • Disabled due to a mental health condition (though most disability insurance policies simply limit the time period of eligibility for such conditions)