SECTION 5 - EXCLUSIONS (Continued)
LONG TERM DISABILITY COVERAGE
Pre-Existing Condition Exclusion
What Other Disabilities are Not Covered? This plan will not cover any Disability or Partial Disability:
1. which is caused or contributed to by, or results from, a Pre-Existing Condition; and 2. which begins in the first 12 months immediately after your effective date of coverage. "Pre-Existing Condition" means a condition resulting from an Injury or Sickness for which you were diagnosed or received Treatment within three months prior to your effective date of coverage.
Long Term Disability 3-12 Pre-Existing Exclusions
ADOC-EXC-5
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