I have short term disability offered through work.  But aside from
pregnancy i would like to know what else is covered.  Obviously, I
know tragic, or serious accidents, but what medical conditions are
covered?  illnesses?  I'd like to know a wide variety of things that
have potentional to qualify.  I am in NY state if that is applicable.

You need to obtain your Summary Plan Description or Group Certificate
from your employer to understand what your policy is likely to cover. 
It will contain a definition of disability.  Typically, it is not
based on a diagnosis but on your ability to perform the duties of your
occupation or any occupation, depending upon the language.  Some
policies exclude benefits when the claimant's complaint cannot be
confirmed through objective medical evidence, such as conditions that
only manifest themselves through pain.

For tons of information about disability insurance, I strongly
recommend www.disabilityinsuranceforums.com.

Sincerely,

Wonko

---

Clarification of Answer by wonko-ga on 03 May 2005 20:32 PDT

By the way, some policies exclude pregnancy.  If you would like to
post your definition of disability as a separate question, I would be
happy to take a look at it and give you some idea of the type of
coverage you have.

Sincerely,

Wonko