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Can I keep my group short term disability (STD) coverage if I no longer belong to the group that provided the benefit?

April 26, 2017benefit coverage disability group longer provided short std term

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Can I keep my group short term disability (STD) coverage if I no longer belong to the group that provided the benefit?

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Yes. Some group STD plans are portable if you are not disabled when you leave the group. Be sure to check your summary plan description to see if the plan has a portability option. If the STD policy does not allow portability, you must re-enroll during the initial enrollment period and complete both the service wait and pre-existing condition exclusionary period again.