Massachusetts short-term disability benefits provide vital assistance to growing families with plans to have children. Bringing children into the world often means extra costs combined with lost income after mom gives birth.
Many workers assume that the state offers a program. They learn the hard way.
MA short-term disability insurance also protects income for all employees concerned about missing work due to an off the job accident or illness.
- Pregnancy and maternity leave
- Where and how to apply
- Massachusetts disability laws
Applying for MA Short Term Disability
Many people ask, “How do I apply for short-term disability in Massachusetts”. The question sometimes means different things. It could be how to apply for a policy, or how to apply for benefits.
The state does not offer any public support. You may need cash if you did not purchase a private policy before the need arose. Taking out a short-term loan can provide for your temporary funding needs.
Apply for a short-term loan if you do not qualify to receive benefits.
If you want a policy covering normal childbirth, you need to apply for a policy as a short-term disability employee benefit. Contact a licensed insurance agent to apply for a policy. The agent will assist you in completing the policy application form. You will be asked a series of medical questions.
Applying for short-term disability benefits may mean completing your claims form. You may be eligible for benefits if you are unable to perform the primary duties of your full-time occupation because of a covered accident or illness. Of course, you need to have a policy in place before the disabling event occurs to file a claim.
Short Term Disability Quotes
Short-term disability quotes in Massachusetts are just a few mouse clicks away. Many insurance carriers provide for unisex rates. This means women pay the same rate as men, making coverage an amazing bargain for forward thinking couples. See how the benefit payments for normal childbirth compare to the monthly premium costs.
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MA Short Term Disability Benefits
Massachusetts short-term disability benefits can safeguard your paycheck in the event a medical issue prevented you from working to earn an income. Your future earnings are expected to pay your mortgage, car payments, etc. Buying a policy helps make sure that your earnings continue.
If you were unable to work this year because of a medical event, how long could you pay your bills before falling behind? Many couples have only a few months of savings tucked away for emergencies – if any at all. You may want to consider purchasing an individual policy.
Your policy can replace up to sixty percent of your gross earnings or $6,500 per month – whichever is less. Cash payments are often sent tax free, so you the amount you have left can be quite close to what you made while working.
Payments begin after satisfying the policy elimination period. The elimination period is the length of time you are continuously disabled before payments begin. Benefits can continue for as long as 24 months if you remain unable to work due to a medical reason and your doctor certifies this in writing periodically. You can choose between benefit durations of three months, six months, twelve months, or twenty-four months.
Pregnancy Bed Rest
Short-term disability for pregnancy in MA can alleviate financial anxiety. Twenty five percent of pregnant women will experience complications prior to delivery. Many women with high-risk pregnancies are ordered to take bed rest by their doctor. This often translates into unpaid leave from work when a family is least able to afford the lost income. Your policy may replace your income while on bed rest for a covered medical reason.
Massachusetts short-term disability for maternity leave pays a six-week benefit for vaginal birth, and an eight week benefit for your cesarean delivery. Your expected benefit may be several multiples of your premium cost. You are also covered in case of unexpected medical events that may crop up and force you to stop working: pregnancy and delivery issues, injuries, or sickness.
- Get cash payments while recovering from labor and delivery
- Take care of your infant
- Get the rest needed to fully recover
If you are contemplating getting pregnant, buy your policy now. Coverage must begin preconception. Policies contain exclusions for normal childbirth that last for 270 days. Make sure to start your policy a few months before you plan to get pregnant. You may be blessed at any time, and almost 12% of babies are delivered pre-term. Do not risk losing out on payments for your normal childbirth.
Massachusetts Disability Laws
Massachusetts state disability insurance is one entitlement program not available to workers as in other progressive states. Massachusetts does not have state mandated programs. Some workers who commute to work out of state to either New York or Rhode Island may be covered under those plans. These state plans apply to people who work in their jurisdiction, rather than to people who reside there.
If you are permanently unable to earn an income or expecting to miss more than one year of work, you should contact MA Disability Determination Services (DDS). This department administers Social Security benefits.
The Massachusetts Maternity Leave Act and other state laws provide unpaid job-protected leave. Income replacement was left up to individual employees.
Workers Compensation is another MA mandated program that supports income during the time you are incapable of working. However, this program covers on the job accidents and illnesses only.
Purchase short-term disability prior to conception to lock in maternity pay benefits. The Massachusetts infertility and IVF mandate makes conception more affordable, and signals the ideal purchase scenario.
- Social Security – MA Dept Human Svcs