Pre-existing Condition Limitation

There is a Pre-existing Condition Limitation provision that will be considered if you become Totally Disabled and have been covered under the D&R Plan for less than 12 consecutive months:

  • If you incurred medical expenses or received care or treatment by a Physician for a disability resulting from the same or a related cause that is being claimed for during the period of 90 days prior to the date your coverage became effective, you will not be entitled to D&R Benefits.

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