Ok I just had a biospy maybe a week ago where I learned that I had breast cancer Stage 1. I informed my boss.?
Maybe a day or two later we had the opportunity to renew insurance (which I do not have my husband has it, I only have life insurance through my job ). I asked my employer about getting short term disability she said because of my breast cancer diagnosis I could not get it. Is that legal? I have worked over two years for the company,.
I think my question was unclear. We had open enrollment (for all eimployees)for short term disability and she said I was ineligible for the coverage based on breast cancer diagnosis..
It really has nothing to do with your diagnosis. Very few states require employers to have short term disability insurance on their employees. If they or you weren’t paying for the coverage, you don’t have it.
If it wasn’t offered before your diagnosis, then you’re still not eligible. It’s like having cancer and then trying to get health insurance or even term life insurance.
Your employer is correct and so is April.
Insurance is a protective measure for the possibility of particular circumstances or events. You know you’re going on disability that isn’t a possibility. Why would an insurance company want to knowingly loose money? It may still be possible for you to get the policy with an exclusion for cancer.
short term disability insurance is usually denied for pre-existing conditions or has a wait period usually of 12 months. I would talk with the insurance company just to be sure and if you can go ahead and get it knowing that you won’t be able to use it for a year.
It is possible that your oncologist could help or her nurse. We opted not to do that but then again my wife was between jobs. Our option was SSI.
Talk to the Human Resource manager not your boss. If your job refuses you can appeal that decision.
My wife has not been able to work for a year now but then again she had 27 weeks of chemotherapy and 6.5 weeks of radiation and surgery between the times she missed work.
It is possible that you would not be incapacitated with stage 1 breast cancer.
Your insurance coverage starts after you have surgery and selected types of treatment. any other time off is up to your employer.