Maine Short Term Disability Insurance

Maine short term disability insurance plans come with a variety of policy benefits. Your specific needs and life-stage drive the best place for you to look for coverage or apply for benefits. 

What you will find on this page:

* Short Term Disability In Maine – protects your income if hurt or sick
* Short Term Disability for Pregnancy – create maternity leave pay, and provide security in case of complications before delivery and postpartum disorders
* Maine State Disability – covers long term disabilities lasting one year or more
* ME Maternity Leave Laws - job protection benefits: federal and state

Maine short term disability for pregnancy and maternity leave can relieve some of your stress.

• Create maternity leave income
• Spend more time bonding with your baby
• Worry less about paying your bills

If you are planning a pregnancy, you have a once-in-a-lifetime opportunity to buy income protection to cover a planned event: your normal maternity labor and delivery!  

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 greatly exceed the premium you pay. Plus, at no additional cost you are also 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 in a variety of ways.

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 accidents and illnesses that may cause you to miss work.  You rely on your income to pay your mortgage, car payments, etc.  Wouldn't it make sense to insure the asset that helps pay these bills - your health and ability to earn an income?

If you were to become disabled tomorrow and couldn't work for two or three months, would you have enough savings to cover living expenses during that time? If not, you may want to consider Maine short-term disability coverage.

Short term disability in Maine can replace up to 2/3 of your income or $5,000 per month - whichever is less.  Benefit periods range from 3 months to 24 months.  You can select from of range of elimination periods to help keep your premiums affordable.

Maine does not have state mandated short term disability insurance. There are only five states with such coverage.

Maine state disability insurance consists solely of Social Security Disability benefits.  The definition of disability under Social Security is different than other programs. Social Security pays only for total disability. No benefits are payable for partial disability or for short-term disability.

If you are disabled 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.  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.

There are several federal laws that protect your rights and provide job protected leave including: Family Medical Leave Act (FMLA), Pregnancy Discrimination Act, Americans with Disabilities Act (ADA). You may also want to learn about where, when, and how unemployment insurance can be used during maternity leave.