DISABILITY INCOME INSURANCE: PRE-EXISTING CONDITIONS GCERT2000 di/pre-ex 45 Pre-existing Condition means a Sickness or accidental injury for which You: · received medical treatment, consultation, care, or services; or · took prescription medication or had medications prescribed; in the 3 months before Your insurance under this certificate takes effect. We will not pay benefits for a Disability that results from a Pre-existing Condition, if You have been Actively at Work for less than 12 consecutive months after the date Your Disability insurance takes effect under this certificate.