Disability policies typically do NOT cover disabilities resulting from which of the following?

Disability policies commonly contain exclusions for certain types of disabilities, and one of the most notable exclusions is for disabilities resulting from war. This exclusion is based on the principle that engaging in warfare presents a higher level of risk, and the insurance industry seeks to mitigate potential losses that could arise from events considered to be outside the realm of normal accidents or illnesses.

Policies often distinguish between typical risks, like illnesses or accidents, which are more predictable and manageable, versus the unique hazards associated with war, which are inherently perilous and not easily quantified in terms of risk. Hence, many insurance providers choose not to cover disabilities arising from war to protect themselves from large-scale claims that may be catastrophic in nature.

Other types of disabilities, such as those resulting from illness, accidents, or occupational hazards, generally fall under the coverage of disability insurance, as these are considered part of the regular risks of everyday life and employment.