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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.  Pre-exisiting conditions can be permanently or temporarily excluded, depending on the severity of the condition.   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.

Other Policy Provisions:

Own Occupation Definition and other definitions of Total Disability
Recovery Benefit
Renewability Provisions
Elimination Period
Waiver of Premium
Capital Sum Benefit
Rehabilitation Benefit
Transplant and Cosmetic Surgery Benefit
Optional Benefits