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How long are most pre-existing exclusion periods?

Disability Benefits - Question 77
Most group long-term disability policies have a pre-existing exclusion that will disqualify entitlement for individuals who submit a disability claim for a condition that arose in the period prior to them being covered under their employer's group benefit plan. Historically, the pre-existing exclusion period has been for the first year after coverage commences, and it appears that the maximum pre-existing exclusion period should be two years, as set out in s.311 of Ontario's Insurance Act.

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Other Similar Questions

I was diagnosed with arthritis in my early 20s. I am now 38. I started a new job ten months ago. Recently my arthritis pain became so severe that I could not work, so I applied for disability insurance through my new group plan. They denied my claim because my arthritis is a pre-existing condition. Can they do this?

What is a Pre-Existing Condition?

I have had disability coverage for less than a year. If I had a pre-existing condition and it has gotten worse, am I eligible for benefits?

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