For Short Term Disability Insurance, are there any exclusions for Pre-Existing Conditions?

There are no exclusions for pre-existing conditions under Short Term Disability Insurance.

Please note that Long Term Disability Insurance (LTD) FAQs are for State employees only. The State of TN does not offer Long Term Disability Insurance to Higher Education employees. If you are a Higher Education employee, direct questions on LTD to your Agency Benefits Coordinator.

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