|LTD and pre-existing condition exclusions
Jun 2, 2001
Do most LTD plans offered by employers have pre-existing condition exclusions? What are generally the terms of the exclusions? I have read that most plans exclude or reduce disability benefits "for any illness or injury for which an employee received medical treatment or consultation within a specified time period before becoming covered under the plan". Is this still true of most LTD policies or has there been some change? Also, what is generally the time period (a range would be fine given how policies vary).
Thank you for providing an invaluable resource.
| Response from Ms. Franzoi
Most LTD policies have a pre-existing condition clause that excludes coverage for a disability that occurs during the first 12 months of coverage if it is related to an illness the employee saw a doctor for, took medication for or revceived any treatment for in the 3 months prior to the effective date of the coverage.
Get Email Notifications When This Forum Updates or Subscribe With RSS
- Red Eyes After Touching Sperm Worried I Have HIV
- Sore On Mouth After Rubbing Vagina Worried I Have HIV
- Testicular Pain After Vaginal Sex Worried I Have HIV
- Tingling In Fingers After Open Mouth Kissing Worried I Have HIV
- White Tongue After Drinking Water Worried I Have HIV
- Can You Get Genital Warts On The Labia Minor?
This forum is designed for educational purposes only, and experts are not rendering medical, mental health, legal or other professional advice or services. If you have or suspect you may have a medical, mental health, legal or other problem that requires advice, consult your own caregiver, attorney or other qualified professional.
Experts appearing on this page are independent and are solely responsible for editing and fact-checking their material. Neither TheBody.com nor any advertiser is the publisher or speaker of posted visitors' questions or the experts' material.