Advertisement
The Body: The Complete HIV/AIDS Resource
Follow Us Follow Us on Facebook Follow Us on Twitter Download Our App
Professionals >> Visit The Body PROThe Body en Espanol
   
Ask the Experts About

Workplace and Insurance IssuesWorkplace and Insurance Issues
           
Rollover images to visit our other forums!
Recent AnswersAsk a Question
  
  • Email Email
  • Glossary Glossary


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.



Previous
Sick/ Vacation Days
Next
getting private health insurance after HIV exposure at work.

  
  • Email Email
  • Glossary Glossary

 Get Email Notifications When This Forum Updates or Subscribe With RSS


 
Advertisement



Q&A TERMS OF USE

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.

Review our complete terms of use and copyright notice.

Powered by ExpertViewpoint

Advertisement