What specific causes of disability, if any, are generally excluded from coverage in disability insurance contracts?
Generally, injuries that are intentionally self-inflicted or caused by war or an act of war are excluded. Disability policies may also include a “preexisting conditions” exclusion whose purpose is to exclude from coverage, during an initial period (e.g., the first one or two policy years), a disability arising from an undisclosed health condition that was both present within a prescribed time period prior to policy issuance and required medical treatment or otherwise caused symptoms that normally would require medical care. Through the “military suspense provision,” coverage under a disability insurance policy is suspended during any period that the insured is on active duty in the military.
