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What is a pre-existing condition exclusionary period in long-term disability (LTD) coverage?

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Summary:

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....

Answer:

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.

Notes:

Everyone's situation may be different due to a variety of individual factors. We strongly encourage everyone to consult with a professional.
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