Typically, a plan will not pay benefits for disabilities arising from war, participation in a riot, commission of a felony, or self-inflicted injury. Family Care Expenses. A disabled employee who has family care responsibilities may need extra help when trying to return to work. This type of benefit provides an incentive to the employee who is taking part in a rehabilitation program by allowing credit or partial reimbursement for certain expenses incurred for family care. This is generally an optional benefit under most long term disability policies.
Indexing is designed to provide some protection against inflation.
There may be specific provisions included in group disability plans that limit coverage in certain situations. See also Mental Illness Limitations and Pre-Existing Limitations below. Such a provision allows for termination of benefits if the employee refuses to cooperate or participate with a rehabilitation plan. This is the maximum length of time for which benefits are payable under the plan as long as the employee remains continuously disabled. Maximum Monthly Benefit.