Short term disability coverage... what is it? How do I get it? Part 1

If you suffer from a pre-existing condition. Why is this the best time? Because he insurance policy is being issued to the group instead of the individual and therefore your medical history is not subject to medical underwriting. We'll usually limit or delay your coverage. Every potential disability will be covered if you register during the initial enrollment period. As they say, "Timing is everything!" "Timing is everything" when it comes to this aspect of insurance.

Pre-existing conditions have been mentioned a few times now. So, pre-existing conditions are or what? The definition of a pre-existing condition. Just about every short term insurance plan has pre-existing conditions exclusionary periods. Until the pre-existing exclusionary period ends, the prior medical condition will not be covered by the policy but as soon as the period ends, it will be covered.

You must enroll during the initial enrollment to meet the pre-existing conditions exclusionary period for short term disability coverage (which can last between six and twelvemonths.) To meet the pre-existing conditions exclusionary for short term disability coverage (which last between 12 and 6 months), you must enroll during the initial enrollment. Furthermore, you must remain enrolled in coverage during the service wait and conditions exclusionary period as well as remain an employee or a member of a professional group or association. Upon the passing of the exclusionary period, you will then be covered for any pre-existing disability. Essentially exclusionary period is to protect employers from hiring previously injured employees, having those employees then claim that they were injured again and have the employer pay out benefits.

Is health coverage covered by short term disability insurance?

A lot of people think that health expenses are covered by short term disability coverage. However, STD provides income replacement, but since it is paid to you, you could use it for health expenses if need be. However, in employer-sponsored coverage, your employer may use your eligibility for short term group disability to determine continued eligibility for other benefits such as health and life coverage. Essentially, this means that your employer's insurance provider may be able to raise your premiums if you suffer from a disability that may severely affect your future health.

Ed Brancheau, aka The Insurance Egghead (http://www.insurance-egghead.com), guides businesses, families and individuals toward finding short term disability (http://www.insurance-egghead.com/short-term-disability.html). His website, The Insurance Egghead, has pages and pages of free guides, articles and advice about every type of insurance: health, dental, vision, accident and life.