If you became pregnant while covered by a short-term disability policy which covers pregnancy but then you switched employers are you still covered by the former policy?

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Good question. Were you on disability when you switched employers? Is your question if the time on the 1st policy counts towards the pre-x period on the second policy like it does for health insurance? Did the prior employer give you a certificate of credible coverage for it? What do the terms of both policies say? It doesn't appear that Disability counts as group health under HIPAA per section 1171
In addition to the above, many supplemental short term disability policies that are sold in the workplace have a portability provision. That means you can elect to continue with the policy on a direct bill basis. Your coverage remains intact if you continue to pay the premiums. Check your policy for this provision.
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