Which of the following is considered a non-compensable cause of disability?

In the context of disability compensation, non-compensable causes refer to situations that typically do not qualify an individual for benefits under most disability insurance policies or workers' compensation laws. The chosen answer centers around "unhelped negligence," which implies that the individual's actions were careless or reckless, leading to their own injury, but not done with any intentional harm in mind.

Negligence that isn’t accompanied by intent usually falls under a gray area in insurance policies, where benefits may not be granted due to a lack of clear intent to cause harm. This is distinct from scenarios involving intention or intentional acts, as those are generally excluding factors in compensation claims.

For example, intoxication and willful intention to injure oneself or others are clearly defined as actions that have a direct intention behind them, which leads to exclusion from benefits. Similarly, willful acts like intending to kill oneself or another are both definitive actions that would result in the denial of a claim.

Thus, while negligence can be an issue in many claims, in this context, "unhelped negligence" is recognized as a non-compensable cause since it does not involve clear intent, placing it outside the realm of deliberate actions that would disqualify a person from receiving disability