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You need to include any and all issues such as prior collect on STD or LTD. Just answer the application honestly at all times. Usually future pregnancies will not be an issue unless your Dr. has told you that you should not get pregnant again. If you are buying this thru work with a company like Colonial, AFLAC and the like, they are a lot more lenient on underwriting. 4lifeguild ---------------- Does the policy have any limitations on maternity? On the other hand, there are laws for Health Insurance that don't allow maternity to be treated any differently than other medical conditions. This may or may not apply to disabilty insurance. For more details follow the links at www.SteveShorr.com/maternity.htm _________________ All of the documents received (plan summary and booklet) do not indicate that maternity is treated differently than any other condition for purposes of a pre-existing condition. In other words, note of them describe any limitations on maternity. Can they claim that there is such a limitation on pregnancy if none of the documents I have been provided with contain that limitation?

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โˆ™ 2006-09-14 15:50:55
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Q: If ins docs define pre-existing condition as one for which you received treatment in 12 mos before effective date can a pregnancy for which you received first treatment after eff date be excluded?
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