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Disability Insurance
Healthcare Coverage While Pregnant
Maternity and Paternity Leave

Is pregnancy considered a pre-existing condition under Short Term Disability group coverage?

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Wiki User
2008-10-13 20:59:25
2008-10-13 20:59:25

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

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

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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.

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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.

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Only if the pregnancy began before the insurance policy.

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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.

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If you have short term disability insurance, your disability due to pregnancy complications would be covered.

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== == 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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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.

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

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If it is directly related to your disability and that is included in your short term disability policy then yes it would be covered. But if it is just because you dont want to work due to your pregnancy than it will not be covered. Disability is just what it means that you are disabled.

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Pregnancy disability leave begins when your doctor indicates that you are no longer able to perform the material duties of your full time occupation.

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no their is not its normal to blead during pregnancy.

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Yes, if it's a Employer Group plan. Can a preexisting condition exclusion be applied to my coverage because I'm pregnant? No. Pregnancy can never be subject to a preexisting condition exclusion in group health plans. http://www.cms.hhs.gov/hipaa/online/Group/Family/Pregnancy_content.asp?record=480021 For more information see www.steveshorr.com/maternity.htm Yes, if he adds you to the policy. Even if you don't get married the policy should cover a well baby (but not a sick baby).

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You obtain a welfare cheque.

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You are probably too late. Most short term disability polices contain an exclusion for normal delivery during the first 9 - 10 months of the policy effective date. Pregnancy is considered a pre-existing condition. It would be insurance fraud to lie on the application.

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No. Being pregnant is not recognized as disability in any state.

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It is common for complications of pregnancy to cause mothers-to-be to miss work. Doctors often order bed rest to guard the health of mom and her baby.Any medically driven pregnancy complication that prevents you from performing your normal work duties is typically covered.

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It appears you are asking about the California Family Medical Leave and the California Pregnancy Disability Leave Acts. You are entitled under the pregnancy disability leave act to up to 4 months of unpaid, job protected leave for a disability due to pregnancy complications, and to recover from your delivery. Once you have recovered the family medical leave act permits you an additional 12 weeks of unpaid leave to bond with your baby. They do not run concurrently under these scenarios.

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Yes, but the thyroid condition will need to be monitored leading up to pregnancy, throughout pregnancy and postpartum.


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