Accidental Coverage Exclusion for Suicide-Related Losses
Q: Is suicide covered under the benefits plan?
A: No, losses caused by suicide or attempted suicide are not covered.
Tom’s friend Greg, a lighting technician, had been struggling with mental health challenges for some time. One afternoon, he opened up to Tom about his worries for his family and whether his benefits would cover them if anything were to happen to him.
Tom reassured Greg that the plan provided robust mental health support, including counseling and therapy, but gently explained that benefits related to suicide or attempted suicide were excluded. “The important thing is to focus on getting the help you need now,” Tom said.
With Tom’s encouragement, Greg reached out to the plan’s mental health provider and scheduled regular counseling sessions. It was a relief for both of them when Greg later shared how much the support had helped him get back on track. For Tom, moments like these reinforced the importance of looking out for each other.