How to Get Short Term Disability for Normal Childbirth
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 when you are expecting.
The key is that short term disability also covers normal childbirth - 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
Know Premium Cost and Maternity Benefit The short term disability benefit for normal delivery may greatly exceed the premium cost. Plus, additional benefits may be paid for pregnancy complications, postpartum disorders, accidents, and illnesses. There is great value for growing families. But insurers stand to lose a bundle.
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Buy Your Policy Before Getting Pregnant Buy short term disability before getting pregnant, with a three month buffer in case of premature birth. Policies will not pay maternity benefits for normal childbirth that occurs inside a nine or ten month exclusion period from the start date of your program. Getting your policy started may take longer than expected.
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Purchase Individual Coverage at Work Purchase your short term disability policy at work. Policies covering normal childbirth are not sold direct to individuals - insurers would quickly go out of business. Individual coverage keeps you in control of your policy, and ensures that benefits will be paid when you deliver your baby. You pay the premium by payroll deduction, so there is no direct cost to your employer to give you this option.
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Request A Personalized Quote Request personal rates and benefit illustrations based upon your income, your state of residence, and the industry of your employer. See how much maternity leave income YOU can create from your normal childbirth, and YOUR amount of extra protection just in case. Verify your cost/benefit relationship before asking your employer for voluntary maternity benefits.
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