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David Geffen School of Medicine at UCLA Graduate Medical Education
Salaries & Benefits - LTD Plan Booklet
Replacement of Prior Plans

Replacement of a Prior Plan with the Policy may result in some of our provisions being modified. When the Policy replaces a Prior Plan, we will modify our provisions as indicated in the following description of effects. The provisions affected by these modifications include but are not limited to the following:

Effect on Eligibility Waiting Period
If you were covered under the Prior Plan on the day before the effective date of the Policy, your Eligibility Waiting Period may be waived as of the Policy effective date. If you were previously declined for LTD insurance, you must, for Contributory Insurance, submit Evidence of Insurability satisfactory to us before you can become covered under the Policy. (See Section II - Schedule of Insurance and Section III - Definitions.)

Effect on Preexisting Conditions
If your Disability is subject to the Preexisting Condition Exclusion in Section V - Exclusions and Limitations, LTD Monthly Benefits will be payable if:
  1. you were covered under the Prior Plan on the day before the effective date of your Employer's coverage under the Policy;
  2. you were continuously covered under the Policy from the effective date of the Employer's coverage under the Policy through the date you became Disabled from the Preexisting Condition; and
  3. benefits would have been payable under the Prior Plan if it had remained in force, taking into account the preexisting condition limitation or exclusion, if any, of the Prior Plan.
Effect on LTD Monthly Benefits
The LTD Monthly Benefit will be the monthly benefit that would have been payable under the terms of the Prior Plan if it had remained in force.

Effect on When LTD Monthly Benefits End
If the Policy is a replacement of a Prior Plan, then LTD Monthly Benefits will automatically end when the earlier of the following occurs:
  1. the events listed under When LTD Monthly Benefits End in Section IV - Benefits Provision of the Policy; or
  2. the date on which your benefits under the Prior Plan would have ended if it had remained in force.


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