Connecticut Short Term Disability Insurance

Connecticut short term disability insurance plans provide important benefits for growing families. The state does not mandate maternity coverage, meaning that you may be facing added out-of-pocket medical expenses at the same time your income drops. This is a recipe for financial distress. What you will find on this page:

• Connecticut Short Term Disability Insurance – protects your income if hurt or sick
• CT Temporary Disability for Pregnancy – maternity pay plus security for complications
• State Disability Insurance – coverage for workers who commute to out-of-state jobs
• Connecticut Maternity Leave Laws - job protection benefits from state and federal rules

If 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!  Connecticut 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.

Connecticut 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 Massachusetts short-term disability insurance.

Short term disability insurance in Connecticut 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.

Connecticut does not have state mandated short term disability insurance. There are only five states with such coverage and two are neighboring states.  If you commute to work in New York or Rhode Island you may have coverage. These state disability plans pertains to workers not residents.

Connecticut 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. Your disability must also last or be expected to last for at least one year or to result in death. This is a strict definition of disability.

If you are disabled and need help paying bills you should contact Connecticut Disability Determination Services. This department is responsible for determining eligibility for disability benefits.

Connecticut maternity leave law supplements the federal FMLA and applies to maternity leave in CT.  The CT Family Leave Act provides up to 16 weeks of job protected unpaid leave.  There are several other federal laws that protect your during your pregnancy, while on maternity leave, and when you are home bonding with your baby.