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Disability Insurance: Long Term: Group

Other Exclusions And Limitations

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All plans have exclusions and limitations beyond the Pre-Existing Conditions Exclusion and the Mental and Nervous Limitation. They usually include disability due to:

  • Declared or undeclared war.
  • Injury incurred while participating in the commission of a felony.
  • Work-related injury (which is usually covered by 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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More Information

Workers' Compensation

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