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No accident

Thursday, January 14, 2016 @ 7:00 PM | By Matthew Pearn

Body Integrity Identity Disorder (BIID) is an unusual mental health condition which creates a powerful compulsion in people to become physically disabled.

In 2013, BIID was listed as an “emerging condition” in the fifth edition of the diagnostic and statistical manual of mental disorders (DSM-5). This is increasingly becoming the subject of academic focus and research.

Insurers are not likely to have considered BIID or similar mental health disorders when drafting policies and conceiving of exclusions from coverage. Meanwhile, the actions of insureds with BIID could...