A comprehensive list of short-term disability insurance covered conditions would be extremely long and difficult to read and interpret. A list of applicable exclusion language applied to commonly asked questions is more instructive.
The company or government agency that issued your policy determines whether to pay out on a claim for a covered accident or illness.
What follows are guidelines that could prove helpful. Ultimately, you must complete claims paperwork to learn whether your situation meets the parameters.
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A diagnosis from the doctor or a sudden accident off the job is one of the most common motivators that spur people to begin looking at short-term disability insurance.
For many people, they waited until it was too late. It may be very difficult to purchase new coverage. If they qualify for a policy, they still must wait 12 months to file a claim.
Short-term disability insurance does not cover chronic and acute episodes of mental illnesses. However, some patients can buy a small policy to address common side effects of potent medications.
Several government-based programs may provide financial assistance for this vulnerable population.
After a surgical procedure, it may take days, weeks, or months to recover. During this time, it may be very difficult to return to work and perform the full-time duties of your primary occupation.
Short-term disability will cover your recovery provided you do not have a pre-existing condition, and the procedure is medically necessary.
Both long and short-term disability insurance cover a wide array of medical conditions related to the insured person who is unable to work and earn an income.
Many times people must stop working to care for a family illness. Unfortunately, the policies rarely make claims payments for the caregiver.
Many valid medical conditions might trigger a claims payment for any disability insurance policy. Rather than publish an exhaustive list of every conceivable covered condition, each policy will provide a list of exclusions.
The exclusions fall into several broad categories such as preexisting conditions, and injuries that occur while engaged in listed activities.