Disability Insurance
Exclusions and Limitations

Every company excludes certain causes of disability from disability insurance coverage. These exclusions are stated in the policy. A universal exclusion is the "pre-existing condition": an ailment that had manifested itself before the policy was purchased but which was not disclosed on the application. Other common exclusions are disabilities resulting from acts of war, commission of a crime or suspension of a professional license. Some policies limit benefits (typically to 24 months) for mental/nervous or substance abuse disorders.