Montana § 33-22-110 Preexisting Conditions

Montana Statutes

§ 33-22-110 — Preexisting Conditions

Montana § 33-22-110

Title 33INSURANCE AND INSURANCE COMPANIES

Ch. 22DISABILITY INSURANCE

Part 1General Provisions

This text of Montana § 33-22-110 (Preexisting Conditions) is published on Counsel Stack Legal Research, covering Montana primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook

Mont. Code Ann. § 33-22-110 (2026).

Text

33-22-110 . Preexisting conditions.

(1)Except as provided in 33-22-246 and 33-22-514 , a policy or certificate of disability insurance may not exclude coverage for a condition for which medical advice or treatment was recommended by or received from a provider of health care services unless the condition occurred within 5 years preceding the effective date of coverage of an insured person. The condition may only be excluded for a maximum of 12 months.

(2)An insurer may use an application form designed to elicit the complete health history of an applicant and, on the basis of the answers on that application, perform underwriting in accordance with the insurer's established underwriting standards.

(3)A policy of disability income insurance may not exclude coverage for a condition for whic

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33-22-110 . Preexisting conditions. (1) Except as provided in 33-22-246 and 33-22-514 , a policy or certificate of disability insurance may not exclude coverage for a condition for which medical advice or treatment was recommended by or received from a provider of health care services unless the condition occurred within 5 years preceding the effective date of coverage of an insured person. The condition may only be excluded for a maximum of 12 months.
(2) An insurer may use an application form designed to elicit the complete health history of an applicant and, on the basis of the answers on that application, perform underwriting in accordance with the insurer's established underwriting standards.
(3) A policy of disability income insurance may not exclude coverage for a condition for which medical advice or treatment was recommended by or received from a provider of health care services unless the condition occurred within 5 years preceding the effective date of coverage of an insured person. An exclusion may not apply to a disability commencing more than 12 months from the effective date of coverage of an insured person.