Most LTD policies have a pre-existing condition clause that excludes coverage for a disability that occurs during the first 12 months of coverage if it is related to an illness the employee saw a doctor for, took medication for or revceived any treatment for in the 3 months prior to the effective date of the coverage. Experts appearing on this page are independent and are solely responsible for editing and fact-checking their material. Neither The Body nor any sponsor is the publisher or speaker of posted visitors' questions or the experts' material. Questions and messages posted to this forum are not statements of advice,opinion, or information of The Body, Body Health Resources Corporation or any sponsor of this forum. While neither The Body nor Body Health Resources Corporation regularly reviews posted content, we reserve the right to delete, move, or edit postings if we deem it appropriate under the circumstances.
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