The way you can do this is set forth in the Federal Fair Credit Reporting Act. Life Insurance Company of North America will also provide you with information contained in your file. You have the right to request correction of any inaccurate information. A condition will no longer be considered pre-existing after your insurance has been in force for 12 consecutive months. After that, benefits are payable for periods during which you are under a doctor's care in a hospital or an institution which treats and cares for mental and nervous disorder, alcoholics or drug addicts.
Benefits are only payable up to the plan maximum.
When there are fewer than 180 days between disability periods, you collect based on your original claim. When Coverage Begins Your disability protection through JZA, Inc. will take effect on the first day of the month following the insurance company's approval of your applications and acceptance of your initial premium. If you are not in active service on the date you become effective, you will become effective on the date you return to active service. Protecting your ability to earn a paycheck is vitally important. Think about it.