Which item is commonly excluded under common exclusions in disability policies?

• A. War and/or military service
• B. Intentionally self-inflicted injuries and attempted suicide
• C. Participation in criminal activity
• D. Mental illness or drug addiction

Answer: (D)

Disability policies are designed to cover injuries or illnesses that prevent work, but they also exclude certain conditions or situations to control cost and risk. Mental illness or drug addiction is commonly excluded or heavily limited because these conditions historically generate ongoing, hard-to-predict costs and outcomes are difficult to quantify in terms of disability duration. Insurers often view coverage for these conditions as less predictable and more costly, so they place strict limits or exclusions on them. While other listed items like war/military service, self-inflicted injuries, or criminal activity are also excluded in many policies, the exclusion of mental health or substance abuse tends to be the most consistently applied and widely recognized across disability policies.