Direct answer
Yes, many short-term disability policies cover pregnancy as a temporary medical condition, but it depends on whether the policy was purchased before you became pregnant, as pre-existing conditions are often excluded.
Policy coverage definitions are informed by standard disability insurance contract provisions and typical exclusionary clauses. For additional information about standard policy provisions, see the National Association of Insurance Commissioners‘ consumer guides.
What this means for you
Yes, many short-term disability policies cover pregnancy as a temporary medical condition, but it depends on whether the policy was purchased before you became pregnant, as pre-existing conditions are often excluded.
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