(Closed) Short-term disability issues and TTC

posted 5 years ago in TTC
Post # 3
Member
3772 posts
Honey bee
  • Wedding: October 2012

what is the reason for the exclusion? I know there have been cases against the insurance companies won by women who went into early delivery. They used charting to prove that they were pregnant AFTER the insurance purchase/change-over.

Post # 4
Member
9142 posts
Buzzing Beekeeper
  • Wedding: November 2013 - St. Augustine Beach, FL

Wait for two more cycles just to be safe.  It’s better to be covered by the short term disability than arguing for it should you deliver early or require bedrest.

As for the short luteal phase, a lot of people swear by taking supplements of Vitamin B6 during your cycle.

Post # 6
Member
3772 posts
Honey bee
  • Wedding: October 2012

@guitargirl:  I wouldn’t worry about it too much. If it was me, I would start now. It may take a few months anyways. but I’d double check into the reason and make sure you can prove you got pregnant when you did, in case something does happen.

 

Post # 7
Member
7365 posts
Busy Beekeeper
  • Wedding: October 2010

I don’t have Aflac, but several of my co-workers did when they had their babies.  They were disappointed in what they got from Aflac.  I can’t remember specifics- but they both felt misled by their policies.  These are ladies with Master’s degrees- so not ignorant.

But to answer your other qusetion- I got pregnant with each of my two pregnancies the very first try.

Post # 8
Member
1572 posts
Bumble bee
  • Wedding: September 2012

Yes, the exclusion is because they don’t want to cover women who already are pregnant, they want to get as many months premiums out of people before they have to start shelling out all that money, which makes sense. If I were you, I would get Aflac if you could cancel a month or two in with no penalty except loss of those 2 months premiums in case you do get pregnant right away. I’m recently pregnant & have just realized that your 9 month pregnancy term starts on the day of your last period, so even though we conceived 23 days ago, I considered 5 weeks and 2 days pregnant, at least that’s my understanding according to the justmommies online pregnancy calender. If that’s the case then you would have to be really careful to get the insurance now and hold off getting pregnant for 2 months, though it did take me 4 months to get pregnant and this is my first.

Post # 9
Member
1096 posts
Bumble bee
  • Wedding: June 2011

I have Aflac short term disability and hospitalization and I was told you can’t conceive during the first month of coverage, he said it’s not when you give birth that’s the issue. So our coverage became effective December and of course Darling Husband was out of town on my fertile days in January and we were both sick in February but I got my BFP in March so we are fine. We made sure to be careful in December to avoid conceiving then.

If you get a raise or do anything that will affect your short term disability coverage the waiting period will again apply. So I got a raise in February and wasn’t able to change my coverage since we conceived in March. So I’ll get 60% of my old salary for my short term disability. 

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