Short term disability through my employer and pregnant.?

Question

when i first applied for my insurance i did not apply for short term disability. i got pregnant. i have already put in my leave. i am 8 months pregnant and recently found out that my inusrance was cancelled through my job, because somebody forgot to put my name on a list. they have renrolled me and i have opted for short term disability this time. my previous pay check did not reflect that the insurance was taking out. i brought this attention to my job and they said i will have to be reinstated. i may have this baby at any time. if my baby comes before this gets straightened out, what are my rights? if the insurance goes through will i get paid for my maternity leave? thank you for your answers.

Answer 1

The pregnancy will be treated as a pre-ex so regardless of when the reinstate it, it will not be covered.

Answer 2

It's going to depend.  If someone REALLY forgot to add you to coverage, in the HR department, then your employer is on the hook for whatever benefits you would have gotten, if they HAD put you on the list.

I phrase it that way, because many, many STD policies EXCLUDE pregnancy.  Many more have a waiting period - like 18 months - before coverage for pregnancy kicks in.  So you might not have had any coverage anyway.

Now, in order to get the employer "on the hook", you might have to sue them.  Which means, how badly do you want that four weeks paid, at 2/3 your regular rate??

Answer 3

Since when has a pregnancy been classed as a disability.

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