How to Get Short Term Disability Insurance
How do you get short term disability insurance that covers normal pregnancy? Remember that insurance is designed to protect you against unforeseen hazards. And short term disability may cover a variety of unexpected medical events that are common with pregnancies.
The key is that short term disability also covers normal pregnancy - a planned event for many growing families. Insurance purchases are for unexpected events, so you must play by the insurers' rules to make this work.
Read through the next four pages. Request a personal quote if you want to get coverage.
The key is that short term disability also covers normal pregnancy - a planned event for many growing families. Insurance purchases are for unexpected events, so you must play by the insurers' rules to make this work.
Read through the next four pages. Request a personal quote if you want to get coverage.
4 Steps to Get Coverage for Normal Pregnancy
1- Know the Premium Cost and Maternity Benefit The most common remark people make is "This sounds too good to be true. What's the catch?" You have the opportunity to buy insurance to cover a planned event. Your benefit for normal delivery may greatly exceed the premium you pay. Plus you have important insurance coverage just in case. Getting coverage requires some extra effort. Start by understanding why the extra effort will be worthwhile.
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2 - Buy a Policy Before Getting Pregnant Begin your short term disability insurance policy before getting pregnant. There is a nine month exclusion for normal delivery. If you are already pregnant it will be tool late to get coverage for your existing pregnancy. The ideal time to start is at least three months before you might conceive. 12% of pregnancies delivery pre-term. Don't take a chance of delivering before the exclusion period ends.
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3 - Purchase Individual Coverage  Purchase an individual policy at work. Coverage is portable, so no matter where you choose to work coverage remains in force as long as you pay the premiums. Insurers don't sell policies with maternity benefits direct to individuals. But you can easily ask your employer to make a voluntary option available to you and your co-workers. You pay the premium yourself, so there is no direct cost to your employer.
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4 - Request a Personalized Quote You can request a personal quote by first reading through the first three points: see sample premium rates, learn when to buy coverage, and where to purchase your policy. A personal quote does you nothing if you don't qualify, or if you are unwilling or unable to take the necessary steps. You will find a request form by reading through the pages above.
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