Under what condition are disability benefits not paid?

Disability benefits are not paid for self-inflicted injuries because most insurance policies specifically exclude coverage for injuries that the policyholder has intentionally caused to themselves. This exclusion is designed to prevent moral hazard, where individuals might feel incentivized to harm themselves in order to access benefits. Insurers aim to provide support for genuine accidents and illnesses that occur without intention, thereby maintaining the integrity and sustainability of the insurance system.

The other conditions listed do not typically apply to the non-payment of disability benefits. A load against the policy might affect the amount of coverage or future payouts but does not inherently negate the eligibility for benefits. Withdrawing all policy dividends could impact the policy's value but isn’t a direct reason for benefit denial. Lastly, conditions arising from sickness would still qualify for benefits unless there are specific exclusions pertaining to pre-existing conditions or other terms outlined in the policy, which is different from the self-inflicted injuries situation where intent is a clear factor.