Complications Requiring Pregnancy Disabilty Leave

25% of pregnancies will experience one or more complications of pregnancy. The most common pregnancy complications include: ectopic pregnancy, RH negative disease, pre-term labor, gestational diabetes, and spontaneous abortion.

Let's say you earn $54,000 per year, live in Texas, and work as a nurse.

Short Term Disability Insurance would replace 2/3 of your monthly income or $3,000 per month with a 1 week elimination period.  Short term disability insurance may pay a benefit during the time you miss work if your pregnancy complications result in your doctor ordering you to stay home.

Hospital Indemnity Insurance pays a cash benefit directly to you when admitted to the hospital.  The admission benefit of $3,000 is paid regardless of your underlying health insurance plan design.  Hospital indemnity insurance may also pay a benefit if your complications require a hospital stay and you are not re-admitted for the same or similar reason within 90 days.

Let's suppose you experience spotting during your 2nd trimester.  You are admitted to the hospital for one night, and then your doctor orders bed rest for 5 weeks before returning to work.