New York Child Abuse Identification and Reporting Practice Exam

Which of the following is NOT a common exclusion found in disability income policies?

1. Injuries sustained while traveling

2. Illnesses due to war or conflict

3. Losses incurred while committing a misdemeanor

4. Injuries from outside of the country

The correct answer is: Losses incurred while committing a misdemeanor

The correct answer indicates that losses incurred while committing a misdemeanor are not a common exclusion found in disability income policies. This is significant because most disability income policies tend to exclude benefits related to intentional acts or illegal activities, but not necessarily all losses tied to misdemeanor conduct. Disability income policies generally cover accidents and illnesses that prevent an individual from working, provided they do not stem from specific excluded scenarios. Common exclusions often include injuries sustained while engaging in criminal activities or dangerous behaviors, but "misdemeanor" can be broadly defined and does not always carry the same weight as felonies in terms of policy exclusions. In contrast, exclusions related to war or conflict, as well as injuries from outside the country, are typical within many insurance coverage policies because they stem from situations that insurers often deem too risky or outside their risk assessment parameters. Similarly, injuries incurred while traveling can also fall into a broader category of exclusions, especially if related to unusual circumstances or risky behaviors.