Disability Insurance Basics
What does disability insurance not cover?
Disability insurance typically does not cover: pre-existing conditions (for a waiting period), self-inflicted injuries, disabilities resulting from criminal activity, disabilities during a war or military service, and disabilities that begin before the policy is issued. Review your policy's exclusions carefully.
Key Points
- Pre-existing conditions: typically excluded for a waiting period
- Self-inflicted injuries: typically excluded
- Criminal activity: disabilities resulting from criminal activity typically excluded
- War or military service: typically excluded
- Review your policy's exclusions carefully before purchasing