If you already have a medical condition or health condition before you apply for short term disability, you could be subject to higher premiums.
About short term disability pre-existing condition:
While opting for short term disability pre-existing condition, be sure you understand what your health condition is before applying for short term disability, as any change to this may change cover.
-Amount of money paid is based on income.
-There is no company requirement to provide additional care.
-Your disability can last up to 12 months.
Pros of short term disability pre-existing condition:
In short term disability pre-existing condition, many of you will benefit from this information. Its true that many companies have policies to deal with pre-existing conditions, which are restrictive.
-You can earn back any lost wages if you become ill within 12 months.
-If you become ill after 12 months, you will be paid a percentage of salary.
Pros of short term disability pre-existing condition:
Short term disability pre-existing condition has valid employee competitive benefit plan with no minimum days of attendance. The employees have recourse to administrative review of final decision.
Con’s of short term disability pre-existing condition:
-Once you are injured, you can’t work without short term disability & your company will not give job specific benefits for work related injuries.
In short term disability pre-existing condition, the conditions they have in place are all done by simply restricting the time that someone is off & treatment given. Its a way of deferring liability.