Who is eligible for STD coverage?
If short term disability coverage is offered from an employer, the individual must work for a specified period of time – known as a service wait – prior to becoming eligible for benefits. For professional or association-affiliated STD coverage, the individual must be a member of the group for a set period of time. Individual policies may be purchased directly from an insurance broker based upon medical underwriting. Individual policies are usually available if you have not had any medical treatment for a potentially disabling medical condition during the past 10 years. Medical treatment includes prescription medications and physician consultations.
