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Arizona Short Term Disability Insurance Arizona short term disability insurance is an important benefit for growing families. AZ does not have state laws mandating maternity health coverage, or job protected leave for pregnant women. This means you may be facing extra out-of-pocket medical costs just when income stops flowing in. What you will find on this page:
When extra expenses are on the horizon, maintaining your income becomes vital. Temporary disability coverage in Arizona makes sense.
Arizona Short Term Disability: Pregnancy, MaternityIf you are planning a pregnancy, you have a once-in-a-lifetime opportunity to buy income protection to cover a planned event: your normal maternity labor and delivery! Arizona short term disability pays a six week benefit for your vaginal delivery, and an eight week benefit for your c-section birth. Your maternity leave benefit may greatly exceed the premium you pay. 25% of pregnancies will experience one or more complications. You may miss weeks or months of work prior to your delivery. Your temporary disability policy may continue to replace a portion of your income during this time. You may also experience some type of birth injury or postpartum complication that requires more time to heal than expected. Your doctor may ask you to stay away from work in order to properly heal. Your policy may continue to pay benefits during this time. Arizona Short Term Disability InsuranceArizona short term disability insurance can protect your income in case of accidents and illnesses that may cause you to miss work. You rely on your income to pay your mortgage, car payments, etc. Wouldn't it make sense to insure the asset that helps pay these bills - your health and ability to earn an income? If you were to become disabled tomorrow and couldn't work for two or three months, would you have enough savings to cover living expenses during that time? If not, you may want to consider Arizona short-term disability insurance. Short term disability insurance in Arizona can replace up to 2/3 of your income or $5,000 per month - whichever is less. Benefit periods range from 3 months to 24 months. You can select from of range of elimination periods to help keep your premiums affordable.
Arizona State Disability InsuranceArizona does not have state mandated short term disability insurance. There are only five states with such coverage. You need to purchase a private policy in order to qualify for benefits. Arizona state disability insurance consists only of Social Security Disability benefits. Social Security pays only for total disability. No benefits are payable for partial disability or for short-term disability. If you are disabled and need help paying bills you should contact the Arizona Disability Determination Services. This state department administers disability claims for Arizona residents. There are two offices located in the state: 4000 North Central Avenue, Suite 1800
Arizona Maternity Leave LawsArizona maternity leave laws do not exist. Arizona does not have state level laws pertaining to pregnancy and maternity leave as some other states do. There are several federal laws that protect your rights and provide job protected leave including: Family Medical Leave Act (FMLA), Pregnancy Discrimination Act, Americans with Disabilities Act (ADA). You may also want to learn about where, when, and how unemployment insurance can be used during maternity leave.
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