Short-Term Disability Insurance for Pre-Existing Conditions

Short-term disability insurance protects your income if you are unable to work due to an illness or injury sustained outside of work. Although insurance plans differ, pre-existing conditions are routinely covered. However, you may have a waiting period before they are covered under your plan.

Short-term disability insurance pays a percentage of your salary when you are temporarily unable to work because of acquiring a disability that is not work-related. Although insurance plans differ, the disability could be due to physical disease, mental disorder, pregnancy, accident, illness or injury.

Short-term disability insurance is exactly that: short-term. Although policies differ, benefits can last for a few months up to two years. Benefit amounts are also flexible, ranging from 40 to 80 percent of a worker's salary.

A pre-existing condition is one that you have previously received consultation, medical treatment, care or medicine for. Whether your pre-existing condition will be covered depends on the terms of your short-term disability plan. However, many plans do not exclude such conditions. Some plans, however, may require you to wait a certain period of time, such as 12 months, from the policy issue date before your pre-existing condition is covered by the insurance plan.

Short-term disability insurance often comes with an elimination period. This is the amount of time you must wait after becoming disabled before the insurance company will issue benefit payments. The elimination period may differ depending on how you became disabled, such as an accident versus illness. Elimination periods can be as little as zero days to as much as 120 days.