Q: Is there a pre-existing condition?
While no medical questionnaire is required to enroll in the disability insurance program, please be aware that a Preexisting Condition provision applies if you become disabled within 24 months of becoming insured.
A Preexisting Condition is a mental or physical condition whether or not diagnosed or misdiagnosed for which you have:
- Consulted a physician or other licensed medical professional;
- Received medical treatment, services or advice;
- Undergone diagnostic procedures, including self-administered procedures; or
- Taken prescribed drugs or medications
Which, as a result of any medical examination, including routine examination, was discovered or suspected during the 12 months just before your insurance became effective.