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.

Qualifying state employees are eligible for four weeks of paid maternity leave, and 12 months of family leave. No such benefit is mandated for private employees.

• Maternity Income – apply for benefits after giving birth
• Short Term Disability in IL – protects your income if hurt or sick
• State Coverage – Illinois administers SSDI entitlements
• Maternity Leave Laws - special provisions for state employees

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 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.

Even minor accidents can cause a disruption in income for people who have physically demanding occupations. Women often work in job roles that require standing, lifting, or manual dexterity. For example, a simple broken finger could sideline a dental hygienist for months.

Many couples rely on two incomes to make ends meet. Wouldn't it make sense to insure at least one of these incomes? This case becomes most compelling for working mothers who might be planning more children, as her normal pregnancy qualifies for benefits. The policy becomes self funding.

Residents living in the Chicago metropolitan area may contend with higher costs for housing, transportation, and other expenses. Costs almost always increase when you experience a medical event, but the mortgage, car payment, grocery bills keep coming in. Do you have enough savings tucked away to cover your costs with only one income?

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.  

• Physically unable to perform work
• Caring for a child in poor physical health

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. 

State workers are eligible for paid maternity leave. This is available for both male and female workers, for the birth or a newborn, as well as adoption. Section 303.130 of Illinois Administrative Code allows for four weeks (20 days) of paid maternity/paternity leave. Section 303/148 allows for up to a year of "family responsibility leave". One condition is to provide nursing (breastfeeding) care for an infant. 

IL does not have any maternity regulations that apply exclusively to state residents and workers. There are several laws which apply across the nation to provide unpaid job protected leave for certain employers based upon employee size, and the number of hours worked by individual employees.