What is a pre-existing condition exclusionary period in long term disability (LTD) coverage?
A pre-existing condition is any medical condition for which “medical care” was received three to six months prior to the coverage effective date. LTD plans may have a pre-existing conditions exclusionary period. During this period of time, an individual’s prior medical condition(s) will not be covered by the policy. However, after the pre-existing exclusionary period expires, the condition becomes covered under LTD coverage.
Related Questions
- Can I use current or previous health coverage to meet the pre-existing condition exclusionary period requirements for association-affiliated group health coverage?
- How long does a pre-existing condition exclusionary period last in long term disability (LTD) coverage?
- What is a pre-existing condition exclusionary period in long term disability (LTD) coverage?
