Self-inflicted wounds and drug dependency are generally considered Exclusion provisions in most short-term disability insurance plans.
When we purchase disability insurance coverage it is available to be presented with various choices that have impacted both the monthly premium and our coverage. In all of that fine print, We probably agreed to a series of exclusions in all of that fine print.
A disability insurance exclusion deals with the outlining of certain situations where the insurance company does not want us to pay a perfectly monthly benefit.
Generally, an exclusion rider states that benefits are needless to be payable for disability which is resulting from or related to a medical condition which may be wounds or specified (asthma), from a particular disorder of an area or some part of the body ( the cervical spine), or when a sustained injury while participating in a specified activity.
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