I have carried a short term coverage for years that kicks in at day 8 after illness or injury. I've used it once for c-section. Called today to find out about coverage and was told if my Dr. wrote a dx code for illness/injury it would be covered. Don't see childbirth as "illness" so wondering if anyone has dealt with this. Consultation Friday so planning to ask Surgeon too....

I'm an Aflac agent and I sell short term disability. Its covered immediately if its medically necessary or most plans after 12 months if elective. Just have your doc office fill our Colonials' Disability claim form and make sure the dates off work match the same dates on the page filled out by your workplace.

Thank you!