Disability income insurance typically excludes coverage for disabilities arising from which of the following?

Disability income insurance policies generally exclude coverage for disabilities arising from active military duty. This exclusion exists because individuals serving in the military are covered under different programs, such as the Department of Veterans Affairs, which provides specific benefits for service-related injuries or disabilities. The rationale behind this is that military personnel face unique risks and hazards associated with their service that a standard disability income policy is not designed to address.

In contrast, work-related injuries are typically covered under workers' compensation rather than disability income insurance, and chronic illnesses or accidents at home may also be covered under certain circumstances unless specific exclusions are noted in the policy. Understanding these distinctions is crucial for consumers when selecting insurance coverage to ensure they have the protections they need based on their lifestyle and occupation.