When you return to work after receiving benefits from The Hartford, you have 31 days to enroll for LTD coverage with Dearborn National. If you enroll within 31 days of returning to work, no EOI will be required, and the length of time you were covered under The Hartford plan will count toward satisfying the pre-existing condition limitation. If you do not enroll within 31 days of returning to work, you must wait until the next Annual Enrollment period to enroll for LTD coverage and EOI will be required.