Exclusions in a long-term disability claim refer to the specific circumstances or conditions that are not covered by the insurance policy. These exclusions can vary depending on the specific policy, but typically they include:
- Pre-existing conditions: If you have a pre-existing condition, such as a chronic illness, that prevents you from working, it may or may not be covered by your long-term disability insurance policy.
- Self-inflicted injuries: If your disability is the result of a self-inflicted injury, such as a suicide attempt, it may not be covered by your policy.
- Criminal activity: If you become disabled as a result of criminal activity, such as being injured during the commission of a crime, it may not be covered by your policy.
- War or acts of terrorism: If you become disabled as a result of war or acts of terrorism, it may not be covered by your policy.
- Substance abuse: If your disability is the result of substance abuse or addiction, it may not be covered by your policy.
It’s important to carefully review your long-term disability insurance policy to understand what exclusions apply to your coverage.