Benefit Policy Exclusions

Click the links below to see the details for each benefit exclusion.

The Policy will not pay benefits for any disability which:

  1. is not being continuously treated by a physician, unless it is determined by Us that continued care is of no benefit to You;
  2. is the result of Injury or Sickness that, in either case, arises out of work for wage or profit;
  3. is the result of an intentionally self-inflicted injury or a suicide attempt;
  4. is the result of declared or undeclared war, or any act of war, or armed aggression, or which results from service in the armed forces of any country or international authority;
  5. is the result of participation in a riot or insurrection, or commission of, or attempt to commit an assault or felony, or while engaged in an illegal occupation.
Firms Ineligible For Short Term Disability
AmmunitionMetal and Coal Mining
Ammusement Parks, Clubs, Sports, Other Recreational ServicesOil and Gas Extraction, Mining and Quarrying
Asbestos ProductsPolice Protection
Detective, Guard and Armored Car ServicesPrivate Households
ExplosivesSmall Arms, Ordnance and Accessories
Fire ProtectionTheatrical Producers, Bands, Entertainers
Eating Places