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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.

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โˆ™ 2008-10-13 20:59:25
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Q: Is pregnancy considered a pre-existing condition under Short Term Disability group coverage?
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Related questions

Is asthma considered a preexisting condition?

Yes, it is, and so is pregnancy, or the USA anyways...

Is pregnancy a preexisting condition?

If the pregnancy began before the first date of coverage - yes it is preexisting.

What is in other words of preexisting 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.

Is pregnancy preexisting in group health insurance?

Only if the pregnancy began before the insurance policy.

What pregnancy symptoms can be considered a disability?

Complications of pregnancy are treated the same as any other covered sickness - for short term disability. Your doctor must indicate that you are unable to perform the duties of your full time occupation.

Can you get short term disability if you are already pregnant?

Most likely not. Pregnancy will be considered a pre-existing condition. You may be able to get coverage for accidents, and illnesses unrelated to pregnancy. Five states have mandatory coverage: California, Hawaii, New Jersey, New York, and Rhode Island.

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 receive short term disability prior to giving birth if your pregnancy is normal?

Most likely not. Short term disability will cover disability due to pregnancy complications, but not for plain vanilla bed rest.

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.

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