Your Child and Autism

Short term disability coverage... what is it? How do I get it? Part 2

For those with pre-existing conditions, the absolute optimal time to enroll in as STD insurance is during your employers initial enrollment period. Why is it better to enroll at that time rather than another? Because he insurance policy is being issued to the group instead of the individual and therefore your medical history is not subject to medical underwriting. Not signing up during the initial enrollment. Every potential disability will be qualified and covered. This is one aspect of insurance where timing is everything.

Throughout this article, we have mentioned pre-existing conditions a few times. So, pre-existing conditions are or what? Any medical condition for which "medical care" was received three to six months prior to the effective date of coverage is referred to as a pre-existing condition. Pre-existing conditions, exclusionary periods are in just about every short term insurance plan. A pre-existing condition will be covered after the pre-existing exclusionary period ends, but it will not be covered before them.

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. Then you must continue to be an employee (or member of a professional group or association) and continuously remain enrolled in coverage during the service wait and pre-existing conditions 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 STD cover health expenses?

Many people think that disability insurance covers health coverage. This is not true, as it only provides income replacement, although as this money is paid to you directly, you may use it for health expenses. Finally, it is legal for your employer to use his knowledge of your disability to determine your eligibility for other benefits. If you suffer from a disability that can severely affect your future health, this means that your employer may choose to raise your premiums.

Be sure to read Part 1!

Ed Brancheau, The Insurance Egghead (http://www.insurance-egghead.com), assists individuals, families and businesses find short term disability (http://www.insurance-egghead.com/short-term-disability-02.html). Visit his website, The Insurance Egghead, for tons of free advice and guides about health, dental, vision, accident and life insurance.

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