0
Is pregnancy considered a pre-existing condition under Short Term Disability group coverage?
Wiki User
∙ 15y ago
In my experience as an insurance agent the disability insurance policy I can offer specifically excludes pregnancy. Also, from what I have seen with other policies is that since pregnancy is planned, in most cases, it is not considered a disability. It is similar to being pregnant and not being able to be excepted if you apply for health insurance until after the pregnancy.
This may be true for policies sold direct. However, Short Term Disability policies sold as Voluntary Employee Benefits do provide the coverage you are asking about. * When bought preconception, Short Term Disability provides a six week benefit period for vaginal birth - less the elimination period, and an eight week benefit period for cesarean birth - less the elimination period.
You must buy these programs at work, but since you will be paying for the programs, it is very easy to ask your employer to make the option available.
Wiki User
∙ 15y ago
Wiki User
∙ 15y agoIt is not pre-existing if you were not pregnant when you took out the coverage, it may however be excluded as a covered benefit.
Check your policy for language related to pregnancy and maternity leave. Many policies will cover the "normal delivery" if you enrolled preconception. Others will exclude normal childbirth during the first nine months of the policy effective date. Complication of pregnancy and delivery will be covered to the same extent as any other sickness. Accidents and illnesses will also be covered.
Add your answer:
Earn +20 pts
Is asthma considered a preexisting condition?
It depends on what is causing the sleep apnea. It is preexisting if it is caused by tonsils, adnoids, or an elongated uvula. It is not preexisting if it is caused by being overweight, or possibly by a deviated septum.
What is in other words of preexisting pregnancy?
pregnancy
Is Pregnancy considered a pre exsisting condition?
is pregnancy considered a pre-exsisting condition for medical coverage
Is it possible to add a pregnant spouse during the open enroll period for insurance and the pregnancy not be considered preexisting?
== == Probably.
Is it harder to get pregnant with thyroids?
A thyroid condition can present some challenges when a woman is trying to get pregnant. However if a woman's doctor(s) are aware of her preexisting thyroid condition going into pregnancy, this will aid in the management of the condition during pregnancy and postpartum.
Can I get short term disability while I'm pregnant?
Yes, you can get short term disability while you are pregnant. It will cover you for accidents and illnesses that cause you to miss work. Your future pregnancies will be covered, however your current pregnancy will be considered a pre-existing condition.
Is pregnancy preexisting in group health insurance?
Only if the pregnancy began before the insurance policy.
Is a pregnancy a pre-existing condition?
Yes, in most states pregnancy is considered a pre-existing medical condition, and applicants for individual or family health insurance can be declined coverage if they're currently pregnant. In addition, some states allow health insurance companies to include clauses in newly issued policies that prevent them from being liable for any costs resulting from a pregnancy that occurs within the first year of coverage.
Is your pregnant wife excluded if you added her to your insurance after she got pregnant?
== == 1st of all, we would only be taling about a pre-existing clause for maternity. Is this an HMO or PPO? Is this group or individual coverage? HMO's don't have pre-x clauses. Group Plans under Federal Law can't exclude Maternity as a pre x TITLE 26 - INTERNAL REVENUE CODE Subtitle K - Group Health Plan Requirements CHAPTER 100 - GROUP HEALTH PLAN REQUIREMENTS Subchapter A - Requirements Relating to Portability, Access, and Renewability (3) Exclusion not applicable to pregnancy For purposes of this section, a group health plan may not impose any preexisting condition exclusion relating to pregnancy as a preexisting condition. The pregnancy would be considered a "pre-existing condition" and as such anything to do with the pregnancy would not be covered.
My doctor told me i couldn't work because of difficulties during pregnancy can i get disability compensation?
If you have short term disability insurance, your disability due to pregnancy complications would be covered.
Can you get short term disability if you are already pregnant?
Check your policy for details. Many private short term disability policies have language specifying how benefits are paid when unemployed.The best way to get a definitive answer is to file a claim.
Is being pregnant considered short term disability and entitled to a medical leave of absence?
Being pregnant by itself does not constitute a disability. If you suffer from one or more complications of pregnancy and your doctor orders you to stay home from work, then short term disability will cover that disability. If your occupation has many physical demands, and your healthy pregnancy prevents you from performing your job duties, then short term disability may pay a benefit. Check your policy for specific language.
