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How Long Are Most Pre-Existing Exclusion Periods?

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?

DISABILITY SECRETS: Learn What Your Insurance Company Is Hiding From You!


This searchable database contains information about disability, critical illness and life insurance claims, and what you can do if you are denied or cut off of your benefits. It is a collection of the most common questions we receive from our clients. General answers have been provided by our lawyers.