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I'll be here!
My employer uses Lincoln Financial. This is a copy and paste from their website...
"ARE BENEFITS PAYABLE ON A MATERNITY CLAIM?
Benefits are considered for up to 6 weeks after the delivery of a child, subject to the elimination period. Benefits may be approved prior to delivery if documentation is submitted which supports a total disability status. Pregnancy in itself is not disabling until after delivery. It may be necessary for additional documentation to be submitted and reviewed to determine if benefits are payable prior to delivery."
"OUR POLICY HAS A PRE-EXISTING CONDITION CLAUSE. HOW IS THIS APPLIED? WHAT DOES THIS MEAN?
This provision stipulates that disabilities caused by, or contributed to, a pre-existing condition are excluded from coverage under the contract unless certain conditions have been met. A pre-existing condition applies to a sickness or injury from which the employee received medical treatment, consultation, care or services including diagnostic measures or prescribed drugs or medicines during a specific period of time prior to the employee’s effective date."
"If a Pre-Existing provision is included in your policy, an investigation based on the Pre-Existing language will be conducted, if applicable.
Example: A 12/12 pre-existing clause means that any disabling condition which the Insured received treatment during the 12 months immediately prior to the effective date of coverage is excluded. Once the Insured has been covered for 12 months the pre-existing clause no longer applies."
That's helpful IF your specific policy has a pre-existing clause. For that we need the policy that was issued to YOUR employer; you can't get that information of their website. This is telling us how pre-ex is applied IF there is a pre-ex clause in your policy, and we still don't know that.
Thank you. :) Updates to come.