State RegulationsCO specificDifficulty 3/5
An individual disability income policy is issued in Aurora. Under C.R.S. § 10-16-202, losses commencing within what period after issue may be reduced or denied because of a condition not excluded by name?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
C.R.S. § 10-16-202 sets the preexisting-condition look-back for INDIVIDUAL DISABILITY INCOME policies at 2 YEARS: within that period, a loss commencing after issue may be reduced or denied for a condition not excluded by name. For individual S&A policies other than disability income, the comparable period is only 1 year. The exam expects candidates to keep the two regimes straight, and the stem's identification of a disability income policy controls.
Why the other options are wrong
- A) 1 year is the preexisting-condition period for individual S&A policies OTHER than disability income — the two must never be swapped.
- C) 3 years is the legal-actions limit under C.R.S. § 10-16-202, not the disability income preexisting-condition period.
- D) 6 months is not a Colorado preexisting-condition period for any individual policy type under § 10-16-202.
Memory hook
DI doubles it: health 1 year, disability income 2 years.