Q. Why do I need to tell you about my previous or other coverage?
You're asked to provide information about previous medical and dental coverage because of laws regulating benefit waiting periods for pre-existing condition limitations. These laws allow you to transfer credit for previous coverage. For example, the benefit waiting period time for a dental plan may be reduced by the number of months you were previously covered under a comparable dental and orthodontic plan. You do not need to enter previous coverage to enroll in a life insurance plan.