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I was at a networking event recently, and introduced myself and ASK Benefit Solutions, explaining that we help couples create maternity leave income and create security for the unexpected. A woman in the group interjected and stated “I was born weeks premature, and my family finished paying the hospital bills on my 25th birthday”. This quote illustrates why we are in business.
Pregnancy and child birth can be risky business.
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The U.S. maternity leave pay debate, if there is such a thing, sounds much like a common teenage lament: “It’s not fair, all my friends get to go”, or “Everyone else is doing it, why can’t I”. If you have teenage children you might have heard these phrases multiple times. If your children are younger or you are just starting family you will soon.
The parental response for decades remains the same: If you all your friends jumped off a cliff, should we let you do that?”
Much of the talk about maternity leave pay in the U.
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Okay guys. Are you looking for the perfect Valentine’s Day gift? Does the regular set of traditional gifts seem empty and hollow? Are you looking for something that says “I love you and our family” in a truly meaningful way? If so consider buying your wife the right type of insurance.
The usual set of traditional Valentine’s Day gifts seem empty and hollow.
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Many women experience complications during pregnancy that requires time away from work for bed rest. Twenty five percent of all pregnancies experience one or more complications that might require bed rest and an extended period of unplanned missed work.
Should this happen to you your employer may or may not hold your job open for you. You might have planned to miss six or eight weeks for your normal maternity leave, and maybe you set aside some savings in case you missed more time for complications.
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November 17 is “Fight for Preemies Day”. One in eight babies is born prematurely, and these babies face serious health conditions and the possible disabilities. Stress is one factor cited as a contributing factor for pre-term delivery. Financial stress is one component that can be limited.
Research shows that high levels of stress hormones are involved in triggering labor, leading scientists to believe that stress may account for increase in premature birth.
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I heard from one of our first customers today. She asked many very sharp and astute questions before introducing us to her employer, and purchasing our recommended supplemental maternity package: short term disability, and hospital indemnity insurance. Her questions helped us create much of the content you see today on our site.
Her employer is a leading general agent marketing health insurance programs - hence her ability to ask probing on-target questions.
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The IRS creates many rules and interpretations that can impact a growing family. With passage of the new health care reform law came many new features that appear family friendly on the surface. Only time will tell how they play out in the end.
Some changes are less visible and less publicized, but their impact will be felt right away by growing families.
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If you are planning a pregnancy now is the time to take steps to maximize your maternity leave pay. Take a page from card counters who turn the tables on casinos to put extra money in their pockets. You have a once in a lifetime opportunity to buy insurance for a planned event: your normal labor and delivery. The odds are stacked heavily in your favor, so maximize your bets by purchasing multitple policies, and paying for the premium after tax.
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With passage of the Health Care Reform Act the administration is patting itself on the back for it's many consumer protections. One of these extra protections, coverage for children with pre-existing conditions has been heavily promoted. President Obama has been quoted as saying, "Children who have pre-existing conditions are going to be covered."
This rule, along with several others officially became law on September 23.
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I recieved an email today that highlights why we publish this website, and work so hard to get the word out about short term disability for women planning a pregnancy. Things can and do go wrong during pregnancy, and many women miss unplanned time away from work before delivery. Many women fret about how to deal with normal maternity leave expenses, then complications arise.
This message speaks for itself:
"I was just diagnosed with Placenta Previa and my doctor required that I take a leave of absence from work.
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Federal Government maternity leave pay belongs in the ranks of infamous oxymorons like: military intelligence, congressional ethics, and so many more. Besides cashing in on accumulated sick days, there is no such animal. In the U.S. Federal Government workers do not have paid maternity leave entitlements, nor do all have access to short term disability insurance.
Short term disability insurance can create government paid maternity leave.
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If you are a dental hygienist you are uniquely positioned to protect your salary, and create maternity leave income at the same time – if your plans include enhancing your family. Dental hygienists need income security more than other professions, the field is primarily female, and you can easily get the right type of insurance coverage.
Dental hygienists have a greater need for short term disability insurance – because a simple accident causing a broken finger or sprained wrist can keep you out of work for weeks.
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I recently underwent a surgery that required a five night hospital stay. The final bill from the hospital sheds light on an often misunderstood and potentially crippling aspect of medical billing: allowed charges, or usual customary and reasonable fees. If you are considering delivering your baby at an out of network hospital, make sure you understand your possible financial obligations.
My surgery was performed at an in network hospital, and my insurance paid 100% of the “allowed charges”, after I made a daily co payment.
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Short term disability insurance is a great way to create maternity leave income, while also protecting your income in case of complications, accidents, and illnesses. Your benefit for normal delivery can greatly exceed the premium you pay when you time the start of coverage properly. Unfortunately, most women wait until it's too late to apply for coverage, and miss out on a golden opportunity. Consider your projected date of conception, the possibility of pre-term labor, and the chances of suffering an accident or illnesses.
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Are you considering financing your infertility treatments by using an IVF refund or rebate program? These programs offer to refund a portion of your IVF treatment costs if you fail to conceive or deliver a baby. Rebate programs appeal to the smart consumer in us. After all, who wants to fork over huge sums of money, only to be left empty handed?
Look at little more closely before making up your mind. -
Short term disability insurance is a great way to create maternity leave pay, while also protecting your income in case of complications, accidents, and illnesses. Your benefit for normal delivery can greatly exceed the premium you pay when you time the start of coverage properly. Unfortunately, most women wait until it's too late to apply for coverage, and miss out on a golden opportunity. Consider your projected date of conception, the possibility of pre-term labor, and the chances of suffering an accident or illnesses.
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Before taking fertility drugs keep in mind what often happens soon afterwards: you get pregnant, have a baby, go on maternity leave, and take on expenses for raising, feeding, and clothing your child. It pays to research tax impacts of your decision, and get the right insurance plans in place. Once you are already pregnant, your window of opportunity will be closed. Pregnancy is a preexisting condition for most insurance plans.
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If you are trying to conceive you may have already discovered that having the right health insurance coverage is very important - and very hard to find. Fourteen states mandate some level of coverage for infertility treatments. But what if you live in one of the thirty six states with no mandate? If you understand how insurance laws get exported, you can find the right insurance coverage by finding the right employer.
State Insurance Laws
Fourteen states mandate some form of infertility insurance coverage. -
My employer offers short term disability, but I was told to wait for open enrollment to apply. I'm afraid that I might get pregnant before the open enrollment period comes around. What should I do?
