IQVIA Benefits Handbook
WHAT IS NOT COVERED
The LTD Plan doesn't cover certain disabilities, including disabilities that are the result of:
- Intentionally self-inflicted injuries, while sane or insane.
- Active participation in a riot.
- Loss of professional license, occupational license or certification.
- Committing or attempting to commit a felony or misdemeanor.
- War (declared or undeclared) or any act of war.
- A pre-existing condition.
The LTD Plan does not cover disabilities caused by or related to pre-existing conditions. A pre-existing condition under the LTD Plan is:
- A condition for which you received medical treatment, consultation, care or services (including diagnostic measures), or you took prescribed drugs or medicines in the three months before your effective date of coverage under the plan.
- A disability that begins in the first 12 months after your effective date of coverage under the plan.