What is considered a LTD preexisting condition?
A preexisting condition is one for which an employee received medical treatment, care, or services, including diagnostic measures, or took prescribed drugs or medicines in the three months prior to his/her effective date of coverage. During your first year of LTD coverage, LTD benefits will not be payable for any disability that commences during your first year of coverage if the disability is a result of a preexisting condition.
