Georgia Short Term Disability Insurance

Many growing families in GA have lots of extra bills: the mortgage for the new house, credit card payments for baby furniture and clothing, etc.  Cost are particularly high for residents in Atlanta and the surrounding suburbs.

Short term disability insurance in GA 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 Georgia short-term disability insurance.

Georgia temporary disability can replace up to 2/3 of your income or $5,000 per month - whichever is less.  Disability benefit periods range from 3 months to 24 months.  You can select from of range of elimination periods to help keep your premiums affordable.

Georgia short term disability can relieve some of your stress.

• Create maternity leave income
• Spend more time bonding with your baby
• Worry less about paying your bills

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!  

Georgia short term disability for maternity leave 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. Plus, at no additional cost you are also covered in case of:

• Pregnancy complications
• Postpartum disorders
• Illnesses not associated with pregnancy
• Accidents unrelated to pregnancy

If you are already pregnant and need insurance your options are limited.  You may qualify for government assistance, and can lower costs in a variety of ways.

Pregnancy and maternity leave benefits are payable only when coverage begins before conception. 

Georgia does not have state mandated short term disability insurance. There are only five states with such coverage. Social Security Disability is available for people who are expected to be out of work for one year or more. Many growing families are struggling to make ends meet before getting pregnant, losing mom's income, and adding another mouth to feed.

Waiting 12 months for benefits to begin simply is not an option. Consider purchasing short term coverage. Benefits may be payable with no elimination periods for accidents, and as short as one week for illnesses.

Georgia maternity leave laws are non-existent.  Georgia 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)
  

Unemployment insurance can be sometimes be used during maternity leave.  Learn how.