CAN WE EXCLUDE CERTAIN GROUPS/CLASSES OF EMPLOYEES FROM SPECIFIC COVERAGE?

There is an option for exceptions in the eligibility section, you can include a sentence for STD that explains who is not eligible (example: New York and New Jersey are not eligible for Short Term Disability described here). If a reason exists for the non-eligible status it would help to include it. When you request this open-ended language, you will need to check it with Section Preview to ensure that it reads correctly with the rest of the language and punctuation.