|pre-existing condition = permanent exclusion for LTD?
Aug 1, 2004
I have a pre-existing condition and current long term disability coverage with my employer. I have been made a new job offer from a new company that I want to accept. However, their long term disability policy has a 12 month waiting period for pre-existing conditions. If, God forbid, something happens to me during that 12 months I am ineligible, which is a risk I can't take, even if it is 1 in 100. Can the waiting period truly be waived "if they want you enough?" as was suggested in one of the forums? How is this accomplished?
| Response from Ms. Franzoi
Since most LTD plans are insured, there is no way to waive the pre-exisiting condition period. You are correct in your analysis that if you were to become disabled during the first 12 months and this disability were due to a condition that you took medication for or saw a doctor for in the 3 months prior to coverage beginning, the new LTD plan would not cover that disability. However, your current LTD plan might have a conversion option. If so, you could apply for conversion and carry both coverages until the 12 months passes.
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