Can certain injuries be excluded in disability contracts?
Yes, as a matter of fact, the interview and application process can be tedious because the insurance company wants to know what injuries you have or have had. This way they can evaluate the propensity for relapse of the injury, which ultimately may result in a rider excluding or reducing benefits for relapse of prior injuries for a period of time of the policy or for the entire duration of the policy. In most cases, these injuries are not arbitrarily chosen, but rather generally based on a pre-existing injury or condition that could ultimately return in time, e.g. back disorder, mental condition or disorder.
Related Questions
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