Question:
Short Term Disability questions

My insurance co will pay for a tummy tuck and I will pay the balance for a LBL. Do anyone know if short term disability (Met Life) will pay since the LBL is considered cosmetic? They did pay 66% of my salary when I had WLS, but I don't know how this works for reconstructive and/or cosmetic procedures. Does anyone know? If a tummy tuck requires me to miss work for 2 weeks, but the LBL for 6 weeks, will Met Life cover the longer recovery time? Thanks!    — Yolanda J. (posted on May 26, 2004)

May 26, 2004
I suggest looking at the policy. I reviewed my company's STD policy and all I need is for the Dr. to call the insurance company and tell them the procedure being done and the estimate recovery time. My policy does not state anything about the reason for me having to be off work.
   — jmusser

May 26, 2004
Mine didn't even have to know what was going on. They just needed a statement from my doctor that I would be having a surgery and would be out of work for a certain period of time.
   — RebeccaP

May 26, 2004
Typically, if you can show that the MEDICAL carrier is paying for the surgery, then the disability carrier pays for the disability. Just send them proof from the medical carrier that you were approved for surgery. However, if the medical carrier denied you as cosmetic, the disability carrier will as well.
   — Patty H.

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