Which of the following is NOT a common exclusion from loss in disability income policies?

In disability income policies, exclusions are specific situations or conditions under which benefits would not be paid. Injury incurred while working is typically not covered by disability income policies because there are separate workers' compensation laws that apply in such cases. Similarly, injuries sustained during illegal activities or while committing a misdemeanor are commonly excluded as they are often seen as consequences of engaging in unlawful behavior. An injury during a drug overdose is also frequently excluded because it is considered a result of risky behavior that prevents individuals from receiving benefits.

The situation described in the context of misdemeanors is often perceived differently in insurance policies. While engaging in illegal activities is generally a valid exclusion, the specifics of what constitutes a misdemeanor and how it relates to the insurance policy might vary. This creates a distinction that makes it less likely to be universally applied as an exclusion, especially compared to the clear exclusions for working-related injuries, drug overdoses, or significant criminal activities. Thus, the correct answer reflects an area viewed with less uniformity in exclusion from loss under disability income policies.