What is considered preconception for short term disability insurance?

Preconception for short term disability insurance is typically defined as the period prior to conception, starting from the first day of the last menstrual period and ending when pregnancy is confirmed. Most short term disability insurance plans have a preconception exclusion, which means that any disability related to pregnancy or childbirth that occurs during the preconception period is not covered. The purpose of this exclusion is to prevent people from purchasing disability insurance solely for the purpose of covering pregnancy-related disabilities.