Okaloosa County BOCC — August 5, 2014 — RFP #44-14 - LTD Insurance - Standard Insurance Proposal - Exhibit A — reading text

unable to perform all occupations. 7. Describe your pre-existing condition exclusions, if any. A pre-existing condition means a mental or physical condition, whether diagnosed or not, for which the member has consulted a physician, received medical treatment or services; or taken prescribed drugs or medications during the 90-day period just before the member's coverage becomes effective. The member is not covered for a disability caused or contributed to by a pre-existing condition or medical or surgical treatment of a pre-existing condition, unless on the date of disability the member had been continuously insured under the group policy for the entire 12-month exclusion period, and was actively at work for at least one full day after the end of the exclusion period. We have included the policy language for Preexisting Conditions below: Definition Preexisting Condition means a mental or physical condition whether or not diagnosed or misdiagnosed: A. For which you have done or for which a reasonably prudent person would have done any of the following: 1. | Consulted a physician or other licensed medical professional; 2. Received medical treatment, services or advice; 3. | Undergone diagnostic procedures, including self-administered procedures; 4. Taken prescribed drugs or medications; B. Which, as a result of any medical examination, including routine examination, was discovered or suspected; at any time during the 90-day period just before your insurance becomes effective. Under the Continuity of Coverage provision, time served under the prior plan is credited toward satisfying the Pre-existing Condition exclusion under The Standard’s plan. If benefits are approved, Benefits will be paid under the terms of the new group policy or the prior plan, whichever is less.