I am looking into getting an Aflac short term disability policy that covers HG as with my first pregnancy I had severe HG and was tube fed for 9 months and couldn’t work. When I talked to a rep they said that they don’t offer an individual short term policy…it had to be obtained through your employer and at least 3 people had to be on it. Unfortunately there are only 2 of us total, so that wont work.
My question is, does anyone have or have had a policy that covers HG and if so how was it obtained (individually vs through an employer) and what was the actual name of the policy?