Is this real? 

Maternity leave income - what's the catch?

How much maternity leave income can I expect?

What if I have an illness or accident unrelated to pregnancy?

What do these programs cost?

What if my employer does not offer these programs?

How do I ask my employer to offer the programs?

Is This Real? 

Yes, the benefits of Supplemental Health Insurance for growing families are quite real.  Working women planning a pregnancy are planning a Maternity Leave Disability, and they are planning a maternity ward hospitalization.  The may be eligible to receive a relatively large planned benefit, in exchange for paying a relatively small premium associated with an unexpected event. 

Most Supplemental Health Insurance programs contain an exclusions relating to childbirth.

• Short Term Disability Insurance excludes - Giving birth within the first 9 months of the policy effective date.  Complications of pregnancy will be covered to the same extent as any other sickness.
• Hospital Indemnity Insurance excludes
  • Newborn children born within the first 10 months of the policy effective date
  • Giving birth within the first 10 months of the policy effective date

What does this mean to you?  Enroll while you are planning a pregnancy and leave a buffer of time in case of a Premature Birth.  If you conceive shortly after the program effective date, and you experience a Premature Birth, your delivery might fall within the exclusion period - meaning No Paid Maternity Leave.  Pregnancy Complications, and Delivery Complications would still be covered.

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How much Maternity Leave Income can I Expect?

The amount of maternity leave pay depends upon several factors:

• Premium rates 
• Program Benefit Options 
• Program Effective Date - When your coverage begins
• Date of Claim - When a covered event occurs

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Maternity Leave Income - what's the catch?  

There is no catch - but there are three very important considerations:

1. You can not buy these programs direct.  They are sold only as Voluntary Employee Benefits.  The only way the insurance companies would agree to offer you these benefits is if they can pool their risk with your fellow employees. 
2. You must enroll well before you conceive - when your are Planning a Pregnancy.  Most Supplemental Health Insurance programs contain exclusions for giving birth within the first 10 months of the program effective date. 

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What if I have an illness or accident unrelated to pregnancy?

You may be able to file a claim if your doctor determines that you need to be disabled, or admitted to the hospital.  Many of your fellow employees will purchase Supplemental Health Insurance to protect against the unexpected. 

Because you found us while you were Planning a Pregnancy  you may profit from your plans, and get security; all while insuring against the unexpected hazards of daily living!

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What do these programs costs?

Rates vary based upon your state of residence, age, industry of employer, occupation, and program benefit options selected.  

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My Employer does not offer the Programs 

No - Your employer must offer Voluntary Employee Benefits through payroll deduction.  You must Ask your Employer.  

How do I Ask my Employer to Offer the Programs?   

We have devised a simple, foolproof way for you to Ask your Employer.