Insurance - Chicken & Egg

things that make me scratch my head....

i was reading the short term disability policy offered through my company's insurance plan...

i happen to read the following policy exlusions pertaining to mental illness...

We will not pay benefits for any Total or Partial Disability which is caused by, contributed to by, or resulting from:
- an intentionally self-inflicted injury or sickness, whether you are sane or insane
- an attempted suicide, whether you are sane or insane...

what do they consider the cause and what is the result?

if i'm a baseball pitcher and i cut off my arm what is not covered (1) the fact that i can't do my job because i have no arm or (2) the depression that caused me to cut my arm off

who hurts and/or tries to kill himself and does not suffer from depression or some mental illness?

so is that covered - the depression and/or mental illness?

and if depression and/or mental illness is coverend then why exlude self injury and suicide attempts?

i've never heard of a happy person trying to kill himself?

what am i missing?

Wait until you get to the bits that you ARE covered for, by then you will be depressed, confused and anxious...

Wont that void the policy has they are all mental health related?

So in there legale'es speak they are telling you, you have little or no chance of ever making a successful claim from them for anything health related, has the mental health clause pertains to all things health related, and if 1 symptom (pertaining to mental health issues) or more, can be proven to be the cause of your injury, then they wont pay medical on those grounds, or something along those lines.

& then they wonder why people go 'postal'

geez