This is simple.
Here is what one insurance company says about their disability product in general.
Before you begin reading it, know this, there are several things that DISQUALIFY std from kicking in, all other things being enforce:
Your disability won't be covered if it doesn't meet the definition of disability in your plan.
Under certain circumstances, some disabilities that otherwise would meet the disability definition may not be covered. The list of circumstances may vary based on your employer's specific plan, but your disability is typically not covered if it:
Is due to any act of war (declared or undeclared)
Results from committing or attempting to commit a criminal act
Results from driving an automobile while intoxicated ("intoxicated" means the blood alcohol level of the driver meets or exceeds the level at which intoxication would be presumed under state law)
Is due to insurrection, rebellion or participation in a riot or civil commotion.
Is due to intentionally self-inflicted injury
Is an occupational disease or injury (except for sole proprietors or partners who cannot be covered by workers' compensation law)
Also, benefits aren't payable for any period of disability during which you're confined in a penal or correctional institution for conviction of a criminal or other public offense.
Now, what an insurance company says:
AETNA