Massachusetts Short Term Disability Insurance

Massachusetts short term disability for pregnancy 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!  Coverage must begin before getting pregnant.  If you are already pregnant and need insurance there are a variety of government sponsored resources to help you cut costs and get the care you and your baby need.

Massachusetts short term disability for maternity 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. At no additional cost, you are also covered in case of:

• Pregnancy complications
• Delivery complications
• Premature birth
• Accidents
• Illnesses

Massachusetts 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 Massachusetts short-term disability insurance.

Short term disability insurance in Massachusetts 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.

Massachusetts state disability insurance consists solely of Social Security Disability benefits. Massachusetts does not have state mandated short term disability insurance. There are only five states with such coverage. Some workers who commute to work out of state to either New York or Rhode Island may be covered under those state plans. These state short term disability plans apply to people who work in the state, rather than to people who reside in state.

If you are permanently disabled or expecting to miss more than one year of work, you should contact MA Disability Determination Services (DDS). This department administers Social Security Disability benefits.

MA Disability Determination Services is a program of the Rehabilitation Commission.  DDS Disability examiners help determine eligibility for two programs:

• Social Security Disability Insurance for workers (and their children or surviving spouses) who have Social Security coverage.
• Supplemental Security Income (SSI) for people with little or no income and resources.

Massachusetts has a state family medical leave law which addresses maternity leave.  A variety of federal regulations may come into play as well.