Yes. The pre-existing period begins three months prior to your LTD coverage effective date. If you become disabled after your LTD coverage has been in effect for twelve months, pre-existing conditions would not apply.
 
If you were enrolled in LTD with The Hartford on the day immediately preceding your effective date with Dearborn National, credit will be given for the number of months enrolled under The Hartford's plan when determining how long coverage has been in effect.