If you’re applying for individual disability insurance and currently do talk therapy, take medication for mental wellness, or have done so in the past few years, there’s a good chance mental health will be excluded from your policy.

In this video, we walk through what that usually means, what tends to trigger it, and the good news: the policy can still be very valuable even with that exclusion.

If you’re exploring your options, you can begin by getting quotes for disability insurance.