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effective date |
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Effective date
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| These pre-existing condition exclusions typically preclude coverage for disabilities that begin within 12 months of the coverage effective date if the disability is "caused by, contributed to, or resulted from" a "pre-existing condition" Pre-existing condition is generally defined as a condition or any symptoms of such a condition for which the insured received medical treatment, consultation, care or services in the three months prior to the effective date of coverage (the "look-back" period). The market's response to the addition of firms to the MSCI USA Index is assessed by testing the statistical significance of abnormal returns surrounding the announcement date (April 30, 2003) and the effective date (May 31, 2003, Saturday). The agencies jointly adopted interim final rules that established December 31, 2003, as the effective date for the preemption provisions of the FACT Act as well as provisions authorizing the agencies to adopt rules or take other actions to implement the FACT Act. |
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