Supplemental maternity insurance programs fill holes in any benefit plan. Cash benefits are paid directly to you to replace income during maternity leave, and if your infant requires specialized care in the hospital Neonatal Intensive Care Unit (NICU). Bonus benefits may be paid when high order multiples are born pre-term making this coverage vital for couples undergoing infertility treatments.

 

Short term disability insurance versus the Family Medical Leave Act (FMLA): what is the difference? This is a commonly asked question when workers leave employment while sick or injured. And the fact that people ask about this very often suggests there might be a great deal of confusion. The two programs share many similarities; they both…

 

A normal pregnancy is not considered a disability under the Americans with Disabilities Act (ADA). But if you experience pregnancy complications that substantially limit a major life activity, you may be considered disabled under the ADA, and your employer may need to make special accommodations.

 

What happens to your health insurance during maternity leave? There are four topics of great importance to growing families during this important time: replacing mom’s income before and after delivery, allowing women to a sick infant, your premium costs, and adding your newborn to your policy.

 

The Federal Family Medical Leave Act of 1993 (FMLA) provides important unpaid job protection for working women experiencing pregnancy complications, premature birth of an infant, or who want to bond with their baby. But remember: this is UNPAID time away from work.

 

The Pregnancy Discrimination Act (PDA) is a workplace law that protects expectant women’s rights while looking for a job, and when actively employed. After returning to the workforce the ability to express milk is protected under a related statute.

 

Many women ask about unemployment programs during the time they are not working during their family leave. In the U.S. paid leave is uncommon, so this is a logical question. For most women unemployment benefits are not the answer, but under certain circumstances you may receive some payments.

 

Can you lose your job while on maternity leave? Yes, no, and maybe. The answer for each couple depends upon the size of your employer, the amount mom worked in the last year, and the length of time you are away from the job. Many couples in the U.S. are forced to cope with unpaid…