No. However, if you think that enrolling in the short-term disability plan may be an option you will consider later, be aware of the following:
- If you do not enroll during your initial 30-day eligibility period, you cannot apply to enroll until the next Annual Enrollment period, except in cases of an acquire event or loss of eligibility for other coverage. During the Annual Enrollment period, or when you experience an acquire event or loss of eligibility for other coverage, you will have to provide evidence of insurability by answering certain health questions and providing other information, if required. Coverage is not guaranteed.
Here are two examples that show you how your initial 30-day eligibility period for enrollment will differ from future Annual Enrollment periods:
Example 1: Employee is planning on having surgery and chooses short-term disability insurance during her initial 30-day eligibility enrollment period. She can enroll in short-term disability insurance at this time without answering health questions. When the surgery occurs, she is eligible for short-term disability benefits.
Example 2: Employee waived short term disability insurance coverage during her initial 30-day eligibility period. She now wants to enroll in short-term disability during a future Annual Enrollment period and is planning on having surgery the following year. She would need to enter an application for coverage in Edison and submit a completed Statement of Health form to MetLife for review of medical evidence of insurability. MetLife will review the application and determine if coverage is approved, denied or if additional information is required.
You have 30 days to enroll from the date you become eligible. You'll be eligible if you are (i) an employee working not less than 30 hours per week; (ii) a seasonal employee hired prior to July 1, 2015 with 24 months of service and certified by your appointing authority to work at least 1,450 hours per fiscal year (July-June); or (iii) deemed eligible by applicable federal law, state law, or action of the State Insurance Committee.
Coverage will become effective in the short-term disability plan on the first day of the calendar month following the date you complete a waiting period of one full calendar month of employment. The effective date may be later if you must submit evidence of insurability. You must be actively at work for your coverage to become effective.