Nelson Stud & Affiliates Employees, We are pleased to say, the voluntary benefit options you have available through your employer are Guaranteed Issue. What that means is that even if you have a preexisting condition that would normally exclude you from obtain these plans you are is able to sign up. A preexisting condition will not be covered until your plan has been in effect for one year. A preexisting condition is a condition for which you have been treated or diagnosed with in a time frame of 12 months preceding the effective date of your plan.