Working women planning a pregnancy have a once-in-a-lifetime opportunity. You can buy supplemental insurance to cover a planned event.
This allows you to create maternity leave pay while also protecting your family in case of pregnancy complications, delivery complications, premature birth, accidents and illnesses.
Get Started BEFORE You Conceive
Make the most of this opportunity.
- Pregnancy is a pre-existing condition. If you are already pregnant you will not be covered for maternity leave pay, pregnancy complications, delivery complications, and premature birth.
- Give yourself a 3 month cushion. Your maternity leave pay benefits contain a 9 - month birth exclusion. 12% of babies are born pre-mature. If you conceive shortly after the policy effective date and your baby is born pre-mature, you may deliver inside the exclusion period.
- Don't waste time looking for a needle in a haystack. You may be looking to buy direct because your employer doesn't offer these benefits. They don't exist, and with good reason.
- Ask and it will be given! It's easy to ask your employer. There is no direct cost to
your employer, as you pay the premium through payroll deduction. You request is very simple, your employer benefits, and your
co-workers will thank you.
|
Conceive Before Policy Effective Date |
Conceive After Policy Effective Date
Deliver Inside 9 Month Birth Exclusion
|
Conceive After Policy Effective Date
Deliver Outside 9 Month Birth Exclusion
|
| Maternity Leave Pay |
Not Covered |
Not Covered |
Covered |
| Pregnancy Complications |
Not Covered |
May be Covered |
Covered |
| Delivery Complications |
Not Covered |
May be Covered |
Covered |
| Premature Birth |
Not Covered |
May be Covered |
Covered |
| Accidents & Illnesses |
Covered |
Covered |
Covered |
