Maine Short Term Disability: Maternity Benefits in ME

Maine short term disability insurance is an ideal complement to state mandated maternity leave regulations. Depending upon the size of and industry of your employer you will have either 10 or 12 weeks of job protected leave. But this will be unpaid leave unless your employer is extremely benevolent.

A temporary disability policy is a great way to plug this enormous exposure:

• Maternity pay - normal childbirth is a covered benefit
• Security for complications - short term disability for pregnancy supports your income in case of extended bed rest. 25% of women experience complications.

Maine short term disability for pregnancy and maternity leave can help you relax and focus on the health of mom and her baby.

• Generate maternity leave income
• Bond longer with your newborn 
• Make paying bills easier

If you are considering getting pregnant, you have an opportunity to buy a policy that makes payments when you are pefectly healthy: your normal maternity labor and delivery! Don't let the chance pass you by.   

Maine 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 fund three years of monthly premium payments. You are automatically covered in case of pregnancy complications and postpartum problems.

If you are already pregnant and need insurance your options are limited.  You may qualify for government assistance, and can lower costs. Pregnancy and maternity leave benefits are payable only when coverage begins before conception. 

Maine short term disability insurance can protect your income in case of medical events that may cause you to stop working. Your income helps to pay your mortgage, car payments, etc. Wouldn't it make sense to insure your ability to pay these bills: your paycheck?

If you couldn't work for two or three months, would you have enough money salted away to keep your family above water? If not, you may want to purchase short-term disability coverage right away.

Short term disability in Maine can replace up to 2/3 of your income or $5,000 per month. File a claim with the insurance carrier. Your doctor will need to certify your medical condition, and your employer needs to confirm that you are no longer being paid.

Maine does not have a state mandated short term disability program. Maine state disability insurance consists solely of Social Security Disability benefits. The definition of disability under Social Security is different from any private temporary policy. Social Security pays only for total disability. No benefits are payable for partial disability or for short-term situations.

If you are unable to work and need help paying bills you should contact the Maine Office of Family Independence. The Maine Disability Determination Service is comprised of Maine State workers who make disability decisions for the Social Security Administration.

State maternity leave laws consist of the Maine Family Medical Leave Act which provides ten weeks of job protected leave for private and state workers. The law when combined with the Federal act may provide unpaid job-protected leave for differing population segments. The two laws works differently in terms of who is covered, and how the laws work.