Question
Is a normal pregnancy and childbrith covered as a Sickness if my elimination period is 90 days?
My policy has a 90 day elimination period. I have, so far, had a normal pregnancy. I'm schedule for a C-section in September. In my policy contract, under “Exclusions and Limitations” it states (verbatum): "Limitation due to normal pregnancy or childbirth: If the elimination period for your disability benefit is less than 90 days, then normal pregnancy and normal childbirth are not covered sicknesses. However, if the elimination period is equal to or greater than 90 days, then normal pregnancy
Answer
Claudia, in order for us to give you a specific answer to the inquiries posed, you would have to send us copies of the policies you are covered under. Should you desire such, please call in for a free consultation. However, from what you describe above, it would certainly seem that a normal pregnancy and childbirth would be covered as a Sickness under the policy. Please keep in mind that suffering from a sickness or injury is not enough to get benefits under the policy, you also must be “unable to perform the duties of your own occupation.” So while you may be able to get benefits for childbirth, you also must prove that the child birth has prevented you from performing the duties of your own occupation for 90+ days.
