Arizona short-term disability benefits make up an important maternity program for growing families. AZ does not have state laws mandating job protected leave. You may be facing extra out-of-pocket medical costs just when income stops.
Women planning a family can buy coverage that supports income while on maternity leave. Learn how short-term disability insurance in Arizona works for pregnancy, maternity leave, and other medical conditions.
- How to apply and calculate benefits
- Pregnancy bed rest and maternity leave
- Arizona disability laws and related regulations
Applying for Short Term Disability
Applying for short-term disability in Arizona is the same as in any other state that does not have a government or public program. Applying can mean different things that often are lumped together: applying for benefit payments, and completing a policy application.
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Applying for benefits requires the policyholder to complete a claims form. Both a medical doctor and the claimants employer need to assist in completing the form and sign where indicated. Return the claim form with supporting medical information to the company who issued the policy.
Complete an application with a licensed agent in order to purchase a policy. Most people connect with agents at their worksite. This is where most policies are issued.
AZ Short Term Disability Benefits
AZ does not offer state benefits. An individual short-term disability policy in Arizona replaces a portion of income when the policyholder is unable to work due to a covered sickness or accident. Calculating the benefits of a policy is straightforward. There are three primary inputs: monthly amount, elimination period, and payment duration.
The maximum monthly benefit amount ranges up to 2/3 of monthly gross income, to a hard dollar cap as high as $6,500 per month. Each company sets different standards.
The elimination period describes how quickly benefits begin being paid after a period of continuous disability. Elimination periods start at zero days for accidents, and range to 90 days for illnesses.
The payment duration describes how long payments last after meeting the elimination period during a continuous disability. Payment durations can be as short as three months, and as long as twenty-four months.
Maternity Leave Benefits
Having a baby in Arizona without short-term disability for maternity is like taking a long walk in the desert without a canteen full of water. At some point, you know you will be thirsty. Women taking maternity leave often do so without any pay. They stop working to deliver their baby and recover from childbirth. Only their employer does not provide paid leave. Buy a policy before getting pregnant and have some income coming in while you bond with your baby.
Short-term disability for maternity leave in AZ pays cash benefits directly to you for six to eight weeks depending upon the type of delivery. The premium a typical policyholder might pay over the course of a year may be only ⅓ of what the carrier returns in income support for a normal labor and delivery.
Why take chances on something going wrong when you come out way ahead when something goes right: you have a perfectly healthy pregnancy and baby. Arizona maternity health insurance may leave you with unpaid medical bills.
If you want a policy covering both bed rest and normal childbirth the one and only channel is an employee benefit policy. Premiums are 100% employee funded. Employers can offer the plans without adding to direct costs.
Pregnancy Bed Rest
Things do not always go right, and at no additional cost, you have important coverage that protects against common maladies associated with childbirth. Twenty five percent of women will experience complications prior to delivery.
Many times gynecologists prescribe bed rest – sometimes it last for weeks, others for months, and some may last a trimester or longer. Many families cannot afford to miss mom’s income that long. Make sure your policy begins prior to conception to avoid preexisting condition exclusions.
Get a short-term disability quote before getting pregnant to understand the value.
In addition, after delivery complications can crop up as well: hemorrhaging, infections and other problems are common and may delay your return to work. Your pregnancy disability policy may continue to support your income during these trials provided your doctor certifies the medical reasons behind why you cannot fulfill your job duties, and your employer confirms that you are no longer being paid.
Arizona Short Term Disability Laws
Arizona laws do not mandate coverage. There is no such thing as Arizona state short-term disability insurance. You need to purchase a private policy in order to qualify for benefits if you are unable to work due to a temporary medical condition.
Coverage for Commuters
Residents living in the western portion of AZ may have access to state benefits if they commute across the Colorado River to work in California. CA is one of only five states with a mandated program for workers. Eligibility is based upon what state you work in, not where you live. The same rule works in reverse for those commuting eastward into Arizona. State payments are lost for this employee segment.
Permanent Total Disabilities
Arizona manages Social Security benefits, which pays only for total impairments. Partial and short-term conditions are not covered. If you are permanently unable to work at any job you should contact the Arizona Disability Determination Services. This state department administers claims for Arizona residents. There are two offices located in the state:
4000 North Central Avenue, Suite 1800
Phoenix, AZ 85012
Professional Relations Officer
East 22nd Street, Suite 135
Tucson, AZ 85711
Professional Relations Officer
Arizona Maternity Leave Laws
Arizona maternity leave laws for private workers consist exclusively of federal regulations. There is up to 12 weeks of unpaid leave for workers meeting specified criteria: hours worked, and size of your employer.
The Federal FMLA covers state workers in AZ. In addition, an employee may use accumulated sick pay for his or her own serious medical condition. Complications of pregnancy might fall under this definition. Furthermore, an employee may take up to 180 days of unpaid leave due to his or her own serious medical condition.
Unemployment compensation may provide for relief for parents in limited circumstances. AZ unemployment law allows for use of payments due to the illness or death of a family member. You may be entitled to compensation if you left work for a compelling personal reason, where a leave of absence could not be obtained or would be impracticable. Family members include spouses, children, parents, siblings, or any other person with a similar relationship.