Short Term Disability Coverage... What Is It? How Do I Get It? Part 1

If you suffer from a pre-existing condition. Why is it better to enroll at that time rather than another? Because your medical history is not subject to medical underwriting; the insurance policy is being issued to the group instead of just an individual. Not signing up during the initial enrollment. Every potential disability will be qualified and covered. As they say, "Timing is everything!" "Timing is everything" when it comes to this aspect of insurance.
A few times now we have mentioned pre-existing conditions. So, pre-existing conditions are or what? The definition of a pre-existing condition. Pre-existing conditions, exclusionary periods are in just about every short term insurance plan. The prior medical condition won't be covered by the policy until the pre-existing exclusionary period ends.
You must enroll during the initial enrollment to meet the pre-existing conditions exclusionary period for short term disability coverage (which can last between six and twelvemonths.) To meet the pre-existing conditions exclusionary for short term disability coverage (which last between 12 and 6 months), you must enroll during the initial enrollment. Additionally, you must remain an employee (or member of a professional group) during the service wait period and the exclusionary period. You will be covered for any pre-existing disability when the exclusionary period passes. Essentially exclusionary period is to protect employers from hiring previously injured employees, having those employees then claim that they were injured again and have the employer pay out benefits.
Does short term disability insurance cover health coverage?
And a lot of people believe that short term disability insurance covers health expenses. Since it only provides income replacement, this is not really true, however, you may use it for health expenses since is paid to you directly. That said, your employer is legally able to use your short term disability to determine eligibility for other benefits such as life insurance and health insurance. If you suffer from a disability that can severely affect your future health, this means that your employer may choose to raise your premiums.

By: Edward Brancheau

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Ed Brancheau, aka The Insurance Egghead, guides businesses, families and individuals toward finding short term disability. His website, The Insurance Egghead, has pages and pages of free guides, articles and advice about every type of insurance: health, dental, vision, accident and life.