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Committee considers extending pre-existing look-back period for STD from 3 to 12 months
Summary
Douglas County’s benefits committee discussed a proposal to extend the pre-existing condition look-back from 3 months to 12 months and clarified maternity would not be considered pre-existing unless pregnancy was known at application.
The committee reviewed a proposal to extend the plan’s pre-existing condition look-back period from the current three months to 12 months, a change described in the minutes as more standard in the insurance industry and as a measure that would reduce insurer risk. Under the proposal, maternity would be classified as an illness and would not be treated as pre-existing unless the employee was knowingly pregnant at the time of application.
Minutes attribute the proposal to committee discussion with insurer input; the change was discussed as part of the plan-design review but the minutes do not record a separate motion or a final vote specific to the pre-existing look-back beyond the overall motion to adopt plan design changes.
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