Short Term Disability

[Guest Kberly]

Company A is purchasing Company B. Company B employs a 5-mo. pregnant woman on ST disabilty. Company A offers no ST disability policy and LT disability benefits require a 30-day wait period. Has anyone run into this issue and if so, how have you addressed it? TY in advance for any suggestions.

[LRDG]

What type of STD, ER paid, EE paid or a combination? Is there waiver of premium rider or clause during disability?

If the policy is entirely EE paid/owned, ER A and B during disability are immaterial. Determine if the policy contains waiver of premium rider or clause. She has been covered since LOA began, if there is no waiver of premium rider/clause, who is currently paying her premiums? If there is no waiver of premium rider/clause and she owns the policy, she is likely responsible for premium payment since her LOA began.