Eligibility for short-term disability insurance depends on a variety of factors, including the specifics of the insurance policy and your circumstances. Typically, to qualify for benefits, you will need to:
Be unable to perform your job due to a medical condition or injury, as certified by a healthcare provider.
Be actively employed and covered under the employer’s group disability insurance plan if it is offered through your workplace. Alternatively, if you applied for an individual policy, you would need approval based on medical underwriting.
Meet any waiting periods specified in the policy, which often range from one to 14 days.
Have accumulated enough service time if your coverage is through an employer, as some plans require you to be a full-time employee for a certain period before you can claim benefits.
Not be receiving workers’ compensation, which might affect eligibility depending on policy terms.
Verify that your specific medical condition or situation is covered under your policy, as certain conditions or pre-existing conditions may be excluded.
It is important to review the terms and conditions of your specific policy or speak to your insurance provider or human resources representative to get precise details related to your eligibility.
