Short term disability insurance policies often come with certain exclusions. Here are some common exclusions you might find:

1. Pre-existing Conditions: Disabilities arising from pre-existing conditions that were not disclosed at the time of purchasing the policy.
2. Work-Related Injuries: Injuries or illnesses that are covered under workers’ compensation or occupational disease laws.
3. Self-Inflicted Injuries: Disabilities resulting from self-inflicted injuries, including suicide attempts.
4. Criminal Activities: Disabilities resulting from participation in criminal activities or illegal acts.
5. Cosmetic Procedures: Disabilities arising from elective cosmetic procedures that are not medically necessary.
6. War and Terrorism: Disabilities caused by war, acts of terrorism, or participation in riots.
7. Dangerous Activities: Disabilities resulting from participation in dangerous activities such as speed testing, motor vehicle racing, or extreme sports.
8. Pregnancy and Childbirth: Disabilities related to pregnancy and childbirth, depending on the policy terms.

It’s important to carefully read the terms and conditions of your short term disability insurance policy to understand all the exclusions and ensure you have the coverage you need.