Absolute Free Life-and-Accident-Health-Sickness-Producer Exam Practice for Comprehensive Preparation 

Joe is subject to being re-underwritten in terms of his current health conditions because he cannot be penalized with more restrictive coverage. 

Joe is not required to undergo the initial underwriting process but he cannot be reinstated under his personal plan unless he is free of pre-existing conditions.

Joe cannot be denied reinstatement into his same individual health insurance policy that lapsed as a result of Joe becoming covered by a government-sponsored health plan

Joe cannot be denied reinstatement in his prior individual health insurance policy unless the federal government denies him coverage based on health conditions unrelated to his military service. 

This clause generally begins immediately with the doctor stating that the insured person is completely disabled.