If a person makes a claim within a certain period after obtaining disability coverage (usually within the first year, but every policy is different and has its own language which governs pre-existing conditions) then the insurer will look to see if the person was treated for the same medical condition during a period called the “look-back period” immediately before obtaining the new coverage. A medical condition for which the person was treated may be excluded from coverage as a “pre-existing condition.” Generally, if the insured goes for a certain time without being treated for the condition, (often a year, sometimes
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