A couple of weeks before her planned surgery in July 2018, Mariel Addis scanned her company’s new short-term disability policy. Addis, a 53-year-old transgender woman, expected to be out of work for three to four weeks following male-to-female gender reassignment surgery. The Florence, Massachusetts, resident assumed her disability insurance would kick in after seven days of sick leave, as it would for other surgeries.
Then her eyes landed on a list of exclusions. Addis’ procedure was considered elective and would not be covered.