Question

Is there anything I can do to receive STD benefits for my pregnancy before my 60 day LTD elimination period ends?

Asked on November 5th 2013 by K. Garcia
I had a long term disability (elimination period 60) with UNUM till May 2013 and this year (starting June 2013) I chose the short-term disability (elimination period 0 days). I had a baby two weeks ago and was told by UNUM that I am covered under the Long Term Disability because when I got pregnant I had that policy and not the new one. I was not aware of this condition in the policy and I was wondering if there is anything I can do to receive the STD benefits before the 60 days. I had a C-section and will be out from work for 8 weeks (which is less than 60 days). Thank you.

Answer

Answered on November 6th 2013 by Attorney Stephen Jessup

K, If your medical condition (in this case pregnancy) predates or was present at the time you purchased the short term disability policy, then it could be effectively be precluded for purposes of your recent delivery.