Short Term Disability Questions

[Paradokx 0]

Hi, i am planning for surgery in November. I will only have about 5 sick days i can take with my unpaid FMLA, seeing as i have to be able to lift 30 pounds to return to my job i could be out 2-6 weeks. I am considering Short term disability, my employer has Aflac. How can i get them to paid for the time off and the hospital time? I know it has to be medically necessary but they also say they do not cover "pre existing conditions" which could include obesity. Obviously im not planning on telling the Aflac rep of my surgery intentions.. I just don't want to waste the money out of my pay if they won't cover my time off, I cant afford to be out of work and sadly it will all go on credit cards if I cant come up with something. 😓

[ARMoma45 353]

You'll have to talk to the Aflac rep and find out exactly what they will cover. I will be using short term disability as well through my job. It will all be filed with the FMLA paperwork.

[Paradokx 0]

8 hours ago, ARMoma45 said:

You'll have to talk to the Aflac rep and find out exactly what they will cover. I will be using short term disability as well through my job. It will all be filed with the FMLA paperwork.

Yes but if i do this while signing up for coverage it will pretty much out it as a preexisting thing 😕

[Jrenee84 1]

its preexisting to begin with, as your drs records will document your weight. In their policy preexisting conditions are covered after 1 year. best wishes.