What Does Disability Insurance Not Cover? 
Every insurance company has different criteria for their Disability policies . So you would need to review the fine print of each policy to see what causes of disability , or what levels of disability , each policy excludes . Some things that different Disability insurance policies might not cover , or might limit coverage for , are disability due to mental or nervous disorders -LRB- some put a two year limit on those benefits -RRB- , disability due to drug or alcohol abuse -LRB- some put a one year limit on those benefits -RRB- , disability caused while committing a crime -LRB- this is usually not covered at all -RRB- , or disability caused by acts of war . Some policies also will cover total or permanent disability , but not partial or residual disability . Again , it is important to shop around and purchase a policy with the features that are most likely to be used , but also pick and choose so that you get a rate you can afford . 