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The Pre-existing Exclusion Clause and Non-Evidence Limits in Group Insurance Plans

The Pre-existing Exclusion Clause and Non-Evidence Limits in Group Insuranc...

Pre-Existing Exclusion Clause Almost all group LTD policies contain pre-existing condition exclusions. Most claimaints are not aware that they face such exclusions, and they certainly rarely understand how they operate. Because pre-existing condition exclusions do not usually operate during a STD claim, when it is raised once the claim becomes LTD, it creates a great deal of confusion, disappointment and anger. The rationale behind the pre-existing exclusion clauses seems to be focused on the fact that group LTD policies are very rarely underwritten on an individual...