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Colorado Short Term Disability Insurance Colorado short term disability insurance plans come with a variety of policy benefits. Your specific needs and life-stage drive the best place for you to look for coverage or apply for benefits. What you will find on this page:
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State DisabilityI assumed I had state short term disability. Good thing I learned otherwise and found an alternative.
CO 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! Colorado 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 helping you to protect family finances. 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. Colorado Short Term Disability InsuranceColorado 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 Colorado short-term disability insurance. Short term disability insurance in Colorado 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.
Colorado State Disability InsuranceColorado does not have state mandated short term disability coverage. There are only five states with such plans. Colorado state disability benefits consist exclusively of Social Security Disability. Disability under Social Security is based on your inability to work. Social Security pays only for total disability. No benefits are payable for partial disability or for temporary disability. Contact Colorado Disability Determination Services for help in filing a claim for benefits. Colorado Maternity Leave LawsColorado maternity leave laws do not exist. Colorado 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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