Your Child and Autism

What is short term disability coverage? Part 1

One extremely important point to keep in mind is that if you suffer from a pre-existing condition, the best time to enroll in short term disability insurance is during the initial enrollment period. 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. If you don't sign up during the initial enrollment period, your pre-existing condition may limit or delay the use of coverage. Simply put, enrolling during the initial enrollment period qualifies you for every potential disability. As they say, "Timing is everything!" "Timing is everything" when it comes to this aspect of insurance.

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. Just about every single STD policy has a pre-existing condition, exclusionary period. 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. Additionally, you must remain an employee (or member of a professional group) during the service wait period and the exclusionary period. Upon the passing of the exclusionary period, you will then be covered for any pre-existing disability. 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?

Many people think that disability insurance covers health coverage. However, STD provides income replacement, but since it is paid to you, you could use it for health expenses if need be. However, in employer-sponsored coverage, your employer may use your eligibility for short term group disability to determine continued eligibility for other benefits such as health and life coverage. Basically what this means is that if you suffer from a short term disability that would severely affect your future health, they may choose to raise your health benefit premiums.

Ed Brancheau, aka The Insurance Egghead (http://www.insurance-egghead.com), guides businesses, families and individuals toward finding short term disability (http://www.insurance-egghead.com/short-term-disability.html). 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.

MORE ARTICLES:

Allsup Answers The Top Ten Questions About Social Security Disability
Allsup Inc., the nation's leading Social Security disability representation company, has researched and answered the top 10 questions about disability and Social Security.

Autism Spectrum, A Whole Range Of Possibilities
Exactly what is meant by the term Autism Spectrum Disorder? This term actually refers to a group of disorders that are Autistic-based.

Thimerosal: Autism and Mercury Poisoning Side Effects?
Thimerosal is a preservative that is added to vaccines (has been since the 1930s) that is almost half (49.6% by weight) mercury.

Many Children with Autism Unable To Get Critical Treatment, Due to the Exorbitant Expense
April 2, was National Autism Awareness day. While treatment exists for autism, many children cannot get treatment due to the exhorbitant expense. Parents fighting school districts for critical ABA services for their child, now have available two new free resources from JoAnn Collins author of Disability Deception. All children deserve treatment, not only those children whose parents can afford the expense!

Understanding The Differences Between Aspergers and Autism
Autistic Disorder or Autism is a developmental disability that has a crucial impact on the normal development of the brain. It affects the cognitive portions that are significant for social integration and everyday living skills. People who suffer with Autism have deficits in the areas of social interactions and communication skills.

New Website Helps Doctors and Dentists Locate Disability Insurance
Doctor Disability recently launched a redesigned website that allows physicians and dentists to request disability insurance quotes, compare quotes, and get custom disability insurance plans.

NYC Firefighters and Police Officers Join Forces for a Night of Comedy to Benefit Children with Autism
The Guns and Hoses Comedy Event comes to Hofstra University on Saturday, January 13, 2007, at 8 p.m. The fundraiser will feature FDNY funny man Billy Bingo, former NYPD Transit Officer John Diresta and other local talent. Tickets on sale for $30, $45 and $75. All proceeds benefit The ELIJA School -- A Behavioral School for Children with Autism. Tickets can be purchased by going to www.elijaschool.org/gunsandhoses.html.

One in Five People Live With At Least One Disability
National Disability Awareness Month during October highlights broad cross section of lives affected by disabilities in the United States; the Centers for Disease Control and organizations, including Allsup, highlight the contributions of people with disabilities

Autism Super Mom Saves Son in Compelling New Penguin Release
Autism super mom Jayne Lytel traces the arc of her journey -- the four worst years of her life -- to recover her now 8-year-old son, Leo, from autism in a new book, Act Early Against Autism, which debuts March 4, 2008. Her story, and the rescue of Leo is compelling and resonant. The book has been praised by child development guru, Dr. T. Berry Brazelton, and Autism Speaks co-founder Bob Wright.

Preliminary Knowledge before Pursuing Disability Claims in Los Angeles
The Hard Part of Disability