The typical group disability income insurance policy EXCLUDES coverage for disability resulting from:

Group disability income insurance policies are designed to cover disabilities arising from sickness or accidents in civilian life. They typically contain a "war or act of war" exclusion, which precludes coverage for disabilities sustained while serving in the military. This is a standard exclusion because the risks associated with military service are fundamentally different and are typically covered by separate government programs, such as those administered by the Department of Veterans Affairs. The other listed events are common causes of disability that these policies are intended to cover.

A. Commercial airline crashes are considered accidents and are typically covered events under a group disability policy.

B. Injuries occurring in the home are a common source of disability claims and are a primary risk that these policies are designed to insure against.

C. Automobile accidents are a leading cause of disability and are standardly covered by group disability income insurance.

1. Rejda, G. E., & McNamara, M. J. (2017). Principles of Risk Management and Insurance (13th ed.). Pearson Education.

Reference: Chapter 19, "Health Insurance Coverages," under the section on Disability-Income Insurance Provisions. The text details common exclusions, explicitly listing "war or act of war" as a standard exclusion in both individual and group disability policies.

2. National Association of Insurance Commissioners (NAIC). (2006). A Shopper's Guide to Disability Income Insurance.

Reference: Page 6, "What to Look for in a Policy," under the "Exclusions" section. This official guide lists "war or acts of war" as a common policy exclusion, noting that benefits are not paid for disabilities resulting from such events.

3. Code of Virginia, Title 38.2. Insurance.

Reference: § 38.2-3504. "Accident and sickness insurance policies; required provisions." While this section outlines required provisions, the allowance for standard exclusions like war and military service is an established industry practice permitted under the broader regulatory framework governing policy forms and approvals by the Virginia Bureau of Insurance. Standard policy forms filed for approval include this exclusion.