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Disabilities Due to War or Civil Commotion
Q: Are disabilities resulting from acts of war or civil unrest covered?
A: No, these are excluded.
Tom’s cinematographer friend Alex was working in a high-risk conflict zone when she suffered an injury. When Alex asked about coverage, Tom clarified, “Disabilities caused by civil commotion, war, or hostilities between nations aren’t covered by STD benefits.”
Alex appreciated the clarity and sought supplemental coverage through her employer for such risks in the future.
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