Ortiz Law Firm is dedicated to helping people recover the disability benefits they deserve. We handle group Long Term Disability (LTD) claims, individual disability insurance policy claims, ERISA disability claims, and Social Security Disability claims.

You are here: Home / Practice Areas / National Long-Term Disability & ERISA Attorney / Long-Term Disability Glossary Of Key Terms In A Policy / Exclusions In A Long-Term Disability Claim

Exclusions In A Long-Term Disability Claim

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:

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.

PinLinkedIn