From October 26 through November 23, 2020, eligible school employees have a one-time opportunity to enroll and purchase supplemental LTD during the SEBB Program's annual open enrollment. Here are the advantages of enrolling in supplemental LTD during this one-time opportunity:
- Online enrollment via SEBB My Account. Normally, you would have to use a paper form to enroll in supplemental LTD outside of the usual 31-day enrollment period.
- No evidence of insurability. Proof of good health is not required during the 2020 plan year when enrolling in SEBB supplemental LTD coverage for the first time.
- Pre-existing condition coverage. Coverage for pre-existing conditions will be provided under the Continuity of Coverage provision for employees who had prior LTD coverage through December 31, 2019.
Supplemental LTD coverage elected during the 2020 annual open enrollment period will be effective January 1, 2021. If you haven’t enrolled in supplemental LTD yet, now is a great time to consider enrolling in this important benefit.
Pre-existing exclusion period details
The pre-existing condition exclusion period is the 12-month period that begins with your effective date of LTD coverage. A pre-existing condition is a mental or physical condition for which you or a reasonable prudent person would have: consulted a physician or other licensed medical professional, received medical treatment, services or advice, undergone diagnostic procedures, or taken prescribed drugs or medications at any time during the 90-day period just before your LTD insurance becomes effective.
Generally, a pre-existing condition would be excluded for 12 months from the date your LTD insurance became effective. During this one-time enrollment opportunity, the Continuity of Care provision will apply for prior LTD coverage you had the ended on December 31, 2019. See the plan's certificate of coverage for details about the Continuity of Coverage provision.
If you had prior LTD coverage through December 31, 2019, the Continuity of Coverage provision will apply. For example:
- Jessica had 12 months of continuous supplemental LTD coverage before joining SEBB that ended on December 31, 2019. She enrolls in SEBB supplemental LTD coverage during the one-time enrollment opportunity, and her coverage is effective January 1, 2021. Jessica’s pre-existing condition exclusion period will begin on January 1, 2021 and the Continuity of Coverage provision will apply.
If you didn’t have prior LTD coverage through December 31, 2019, your 12-month SEBB LTD pre-existing condition exclusion period will begin January 1, 2021 and the Continuity of Coverage provision will not apply.