How Long Are Most Pre-Existing Exclusion Periods?
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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