Which statement about disability benefits is true?

The statement that policies typically exclude benefits for disabilities arising from war is accurate. Most disability insurance policies include specific exclusions related to injuries or disabilities that result from acts of war. This is a standard exclusion found in many insurance contracts, as war-related events can lead to a high number of claims that insurers aim to mitigate.

Understanding this aspect of disability benefits is crucial because it highlights the limitations of coverage that policyholders should be aware of when evaluating different policies. Exclusions for war-related disabilities reflect the increased risk and unpredictable nature of such circumstances, making them financially unfeasible for insurers to cover.

While other options might touch on scenarios related to disability benefits, they do not accurately represent the common practices seen in disability insurance policies. For instance, not all injuries lead to benefits, and many policies do not offer comprehensive coverage for every conceivable situation, particularly those related to war. Additionally, benefits being tax-free is not universally true; certain conditions apply, and the tax implications can vary depending on the specifics of the policy and how the benefits are received.