Short Term Disability Insurance in IL
Illinois Short Term Disability Insurance
Illinois short term disability insurance is an important benefit if you are planning a pregnancy, or concerned about paying bills if you miss work on a temporary basis. The need is most acute for women working in the private sector.
Illinois has legislation for couples undergoing infertility treatment. Remember to think nine months ahead. Purchase coverage to safeguard your income to better afford your growing family.
Illinois Short Term Disability: Pregnancy, Maternity
If you are planning to get pregnant, or are undergoing infertility treatments you are expecting to take time away from work to deliver a baby, recover from childbirth, and connect with your newborn. Don't pass up on an opportunity to buy an insurance policy that supports your income while you take leave from work. The premium you pay leading up to childbirth may be a small fraction of what the policy may return back to you for: pregnancy complications, normal delivery, postpartum problems, etc.
When normal delivery occurs nine months after the policy effective date, the policy pays a six week benefit for vaginal birth, and an eight week benefit for your c-section delivery. The premium paid to cover your normal childbirth also covers you in case of unexpected medical events that you may encounter while carrying your baby before delivery, after you give birth, if you suffer an injury, or get sick.
Illinois short term disability for pregnancy can help women working for private employers to enjoy paid maternity leave too! Coverage must begin before getting pregnant. If you are already pregnant there may be some government benefit programs that provide assistance.
Illinois Short Term Disability Insurance
Illinois short term disability insurance can protect your income in case of accidents and illnesses that may cause you to miss work. Did you know that over 75% of temporary unemployment is the result of non-pregnancy related conditions? You could suffer a crippling injury or illness at any time.
Short term disability insurance in Illinois can cover up to sixty percent of your gross income or $6,500 per month. Pick the smaller of the two amounts. Benefit may last up to 24 months. Most women choose at least a 12-month payment duration to cover an entire pregnancy, plus the time to recover from childbirth.
Illinois State Disability Insurance
Illinois state disability insurance is a myth. Residents need to purchase a private policy to have coverage for medical unemployment lasting less than one year.
If you are disabled and expect your condition to continue for more than a year you may qualify for federal entitlements. Contact the Illinois Office of Disability Determination. There are 52 offices located throughout the state.
Illinois Unemployment Insurance During Maternity Leave
It appears that Illinois may allow unemployment insurance benefits to be paid under certain maternity leave scenarios. But don’t plan your finances around this assertion. It is difficult to find corroborating government documentation, the legal language is confusing, and the payments may not last very long.
An IL unemployment regulation states that an individual is ineligible for benefits in the week in which he or she left work voluntarily without good cause. Several definitions for good cause are included such as:
Illinois Maternity Leave Laws
Illinois has maternity leave laws that provide important benefits for state workers. Private workers in the state must rely on federal regulations, and purchase private disability coverage to provide any paid leave.
Temporary disability is a worksite product. We work with a network of agents across the state who can service your employer location.
Areas supported include the following metropolitan areas: Chicago, Aurora, Rockford, Joiet, Naperville, Springfield, Peoria, North Peoria, Elgin, Waukegan Cicero, Decatur, Evanston, Arlington Heights, Schaumburg, Champaign, Bloomington, Bolingbrook, Palatine, Skokie, Tinley Park, Des Plaines, Orland Park, Mount Prospect, Oak Lawn, and Hoffman Estates.
Unemployment benefits - IL Compiled Statutes 405/601
Social Security - IL Disability Determination Svcs
State Worker Paid Leave - IL Admin Code 303.130
State Worker Family Leave - IL Admin Code 303/148