For Long Term Disability Insurance, are there any exclusions for Pre-Existing Conditions?

Yes. Under Long Term Disability Insurance, if you become disabled within the first 12 months of your coverage becoming effective, the plan will not cover a sickness or accidental injury for which you received treatment, consultation or care, or took medications or were prescribed medications in the 3 months prior to your participation in the plan.

The State of TN does not offer Long Term Disability Insurance to Higher Education employees. If you are a Higher Education employee, direct questions on LTD to your Agency Benefits Coordinator.   

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