Yes, short-term disability claims can be denied if the applicant has a pre-existing condition, depending on the specific terms of the policy. Many short-term disability insurance policies have clauses that exclude coverage for conditions that were diagnosed or treated within a certain time frame before the policy began. It's important to review the policy details and consult with the insurance provider to understand the implications of pre-existing conditions on coverage.
Yes
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.
Missouri does not have a mandated short term disability program. Your best bet is to apply preconception for individual short term disability insurance. Your maternity leave will be a covered benefit.
The answer depends on when your coverage became effective. Most plans are effective after a time frame (ex: the 1st month following your date of hire, etc.). In order to be eligible your coverage would have to be effective while you are still working and prior to going out. Secondly, it would also depend if your plan has a pre-existing condition limitation. If the answer is yes, your claim would be denied because your condition obviously occured during the pre-ex period. Chances are, there will not be a pre-existing condition limitation in the policy - these are rare in Short Term Disability policies.
I don't see why not.
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.
Because Workers Comp and disability are health issues, you can file for unemployment, but you have to qualify for them under Kentucky's laws like everyone else.
yes you do have to file state disability in order to get short term disability.
Sounds like it could. What is definition of a condition treated? Just because one is pregnant doesn't mean that you know you are. Is this policy provided under State Disability Insurance, a Group plan or individual? as maternity can't be excluded under a group policy - need to check if that includes disability or just medical. Most short term disability policies include an exclusion for normal birth within the first nine months of the policy effective date. So unless your baby is delivered really late, you will not qualify for a benefit.
If Long Term Disabilty is denying you because on the date of the claim you were in the pre-x period then it would be forever. When the pre-x time is over - then it would cover a NEW claim. Not a pending one. Check YOUR actual policy for exact details. For more information www.SteveShorr.com/disability.htm
No, there is not disability for just someone that is short. If the short person has a medical problem, they may qualify for disability.
If your disability does not impair you from attending such event, there is no reason why you should not attend. Attending any sporting event does not affect your rights to receive short-term disability benefits. If your health condition has improved, your attending physician will be able to decide if you are able to work or still considered disabled.