Your Child and Autism

What is short term disability coverage? 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 your medical history is not subject to medical underwriting; the insurance policy is being issued to the group instead of just an individual. Your pre-existing condition may delay or limit your use of coverage if you do not sign up during the initial enrollment period. 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 what are pre-existing conditions? The definition of 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. Furthermore, you must remain enrolled in coverage during the service wait and conditions exclusionary period as well as remain an employee or a member of a professional group or association. Upon the passing of the exclusionary period, you will then be covered for any pre-existing disability. The exclusionary period is to prevent previously injured employees from being hired, getting injured again and then having the employer pay benefits.

Is health coverage covered by short term disability insurance?

And a lot of people believe that short term disability insurance covers health expenses. 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. 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), helps businesses, individuals and families find short term disability (http://www.insurance-egghead.com/short-term-disability-02.html). Drop by his website, The Insurance Egghead, for tons of free advice, articles and guides about health, dental, vision, accident and life insurance.

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