Colorado and Short term disability....

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Colorado and Short term disability....

Postby bsparks34 » Oct 15, 2013 1:18 pm

Anybody in Colorado having difficulty with STD?
Was reading my policy yesterday and found this:
AMENDATORY RIDER
This rider is attached to all certificates given in connection with The Policy and is effective on The Policy Effective Date.
This rider is intended to amend Your certificate, as indicated below, to comply with the laws of Your state of residence.
Only those references to benefits, provisions or terms actually included in Your certificate will affect Your coverage.
For Colorado residents:
The Complications of Pregnancy definition is replaced by the following:
Complications of Pregnancy means a condition whose diagnosis is distinct from pregnancy but adversely
affected or caused by pregnancy, such as:
1) acute nephritis or nephrosis;
2) cardiac decompensation;
3) missed abortion; and
4) similar medical and surgical conditions of comparable severity.
Complications of Pregnancy will also include:
1) pre-eclampsia;
2) placenta previa;
3) physician prescribed bed rest for intra-uterine growth retardation, funneling, incompetent cervix;
4) termination of ectopic pregnancy;
5) spontaneous termination of pregnancy, occurring during a period of gestation in which a viable birth is not
possible;
6) non-elective cesarean section; and
7) similar medical and surgical conditions of comparable severity.
However, the term Complications of Pregnancy will not include
1) elective cesarean section;
2) false labor, occasional spotting, or morning sickness;
3) hyperemesis gravidarum
4) similar conditions associated with the management of a difficult pregnancy not consisting of a
nosologically distinct Complications of Pregnancy.


I have called the Hartford (insurance company) and they can't tell me anything. I asked if they knew why but, they had no answers?
I am waiting on a call from my benefits coordinator from my employer?
I have tried to google it with no luck. Trying to figure out if it is legislative?
Any advice out there?
Hailey 37 weeks and 29 pound weight loss (undertreated) 12/01/2009
Kendall Claire, My Sweet Angel (Still Born at 38 weeks) 02/05/2013 (40 pound weight loss and PICC line)
bsparks34
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Joined: Aug 18, 2012 3:33 pm

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