Do I need short-term disability insurance if I have a high emergency fund?

Direct answer

It depends on whether your specific policy includes a look-back period or if the treatment falls under a policy exclusion clause for chronic conditions.

State-specific health insurance mandate regulations and standard policy coverage definitions. For additional information about how the Affordable Care Act protects patients with pre-existing conditions, see the Centers for Medicare & Medicaid Services website.


What this means for you

It depends on whether your specific policy includes a look-back period or if the treatment falls under a policy exclusion clause for chronic conditions.

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This page is informational and not a coverage guarantee or quote.

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