Morning everyone!  I am 3 months, 2 weeks and 3 days away from having my bottom and top surgery.

I am trying to locate some short term disability insurance that will cover my bills for 100 days while I am off work.

Does anyone know any LGBT friendly agents and places where I can get such a policy?

I live in Denver, Colorado.

thanks!

Normally insurance is for the unexpected and in this case you fully expect it. You would be asking for a policy for a preexisting condition and may be difficult or impossible to find. Possibly a bank loan or if you have a disability policy through work would be more likely to cover this.

Quote from: Dena on November 05, 2016, 01:07:14 PM
Normally insurance is for the unexpected and in this case you fully expect it. You would be asking for a policy for a preexisting condition and may be difficult or impossible to find. Possibly a bank loan or if you have a disability policy through work would be more likely to cover this.

but pregnant women can use it (my cisgender friend Nichole did this while on maternity leave when she had her newborn baby girl)

also I found this.

http://www.transgenderlegal.org/headline_show.php?id=369


our procedures are NOT pre-existing conditions and have been deemed medically necessary.

Plus I live in Colorado, where insurers MUST provide health insurance for transgender individuals by LAW and that the pre-existing condition exclusion is no longer a valid exclusion nor is the cosmetic procedure exclusion.


my work doesnt offer it at all.  [emoji20]

I am not the one to argue with but I am warning you of possible problems with your approach. You might get the policy and be refused coverage when you desire it. You would then be stuck without the premium you paid and without coverage. Your only option would be to take them to court and hope the court decides in your favor. If you had taken out the policy a year or two ago, you would have had a stronger case but when you take it out a few months before the procedure, your case may set off warning bells at the insurance company.

As always, read the fine print carefully because it can cause real problems if you don't.