When you file a claim for individual disability insurance benefits, you assume everything will go smoothly. Unfortunately, even if you hand-picked your policy’s terms and conditions, you may discover that exclusions and limitations can impact your short-term and long-term disability benefits. In this article, we answer our clients’ frequently asked questions about policy exclusions. What Are Disability Insurance Exclusions? When you purchase disability insurance coverage, you’re presented with various choices that impacted both your monthly premium and your coverage. In all of that fine print, you probably agreed to a series of exclusions. A disability insurance exclusion outlines certain situations […]

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