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Discover what short term disability coverage is and how it can help you. Part 2

If you suffer from a pre-existing condition. Why is this the best time? Because your medical history is not subject to medical underwriting; the insurance policy is being issued to the group instead of just an individual. We'll usually limit or delay your coverage. Every potential disability will be covered if you register during the initial enrollment period. This is one aspect of insurance where timing is everything.

A few times now we have mentioned pre-existing conditions. So what are pre-existing conditions? Any medical condition for which "medical care" was received three to six months prior to the effective date of coverage is referred to as a pre-existing condition. Just about every short term insurance plan has pre-existing conditions exclusionary periods. A pre-existing condition will be covered after the pre-existing exclusionary period ends, but it will not be covered before them.

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. You will be covered for any pre-existing disability when the exclusionary period passes. 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.

Does STD cover health expenses?

And a lot of people believe that short term disability insurance covers health expenses. This is not true, as it only provides income replacement, although as this money is paid to you directly, you may use it for health expenses. That said, your employer is legally able to use your short term disability to determine eligibility for other benefits such as life insurance and health insurance. 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.

Be sure to read Part 1!

Ed Brancheau, The Insurance Egghead (http://www.insurance-egghead.com), assists individuals, families and businesses find short term disability (http://www.insurance-egghead.com/short-term-disability-02.html). Visit his website, The Insurance Egghead, for tons of free advice and guides about health, dental, vision, accident and life insurance.

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