Maine short term disability benefits provide crucial income protection for workers who are unable to work because of a temporary medical condition. Growing families use these policies frequently during their childbearing years.
Maine short term disability insurance can protect your income in case of medical events that may cause you to stop working. Your income supports your rent or mortgage payment, car loans, etc. Why not insure your paycheck? Consider these main points explored below:
- How disability insurance works
- Benefit calculations
- Pregnancy and maternity leave
- Maine disability insurance laws
- How to apply in Maine
Maine Short Term Disability Benefits
Many people ask “how does short term disability insurance work in Maine?” It works pretty much the same way in Maine as in other states with a few minor exceptions. If you were unable to work for several months, would you have enough money salted away to keep your family above water? If not, you may want to purchase coverage right away. ME does not offer state temporary disability benefits.
A private policy in Maine can replace up to 6/10 of your income or $6,500 per month. Payments begin after satisfying an elimination period. Elimination periods are as short as zero days for an accident, and seven days for an illness. Benefit payments may continue for up to twenty four months depending upon the duration you select at time of application.
Pregnancy and Maternity Leave
Maine short term disability for pregnancy can help you relax and focus on the health of mom and her baby. If you are already pregnant and need insurance your options are limited. Pregnancy benefits are payable only when your policy begins prior to conception.
- 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 perfectly healthy: your normal maternity labor and delivery! Don’t let the chance pass you by.
Short term disability for maternity leave makes payments or either six or eight weeks depending upon type of delivery. Payments begin after satisfying an elimination period. Your maternity leave benefit may fund three years of monthly premium payments. You are automatically covered in case of pregnancy complications and postpartum problems.
Maine Disability Insurance Laws
Maine does not have a state mandated short term disability program. Social Security is the only option for many workers. The definition under Social Security is different from any private temporary policy. Social Security pays only for total inability to work lasting 12 months or longer. Compensation is not paid for partial or short-term situations.
If your medical condition prevents you from working you should contact the Maine Office of Family Independence. The Maine DDS is comprised of Maine State workers who make decisions for the Social Security Administration.
Maine State Retirement
Maine state retirement short term disability is a misnomer. Members of the Maine Public Employees Retirement System (MainePERS) are covered by a long term disability program. The program pays for permanent disabilities only. By nature short term disability is for temporary medical conditions only.
Educational Assistance from the State of Maine
Maine does not have any specific laws regarding short term disability insurance. The Maine State Bureau of Insurance does publish some useful educational information about disability insurance in general. Their consumer guide to disability insurance provides definitions for benefit limitations, pre-existing condition limitations and exclusions, elimination period, waiting period, free look period, underwriting, and waiver of premium.
Applying for Short Term Disability
There are two ways to answer the question “how to apply for short term disability in Maine”. The answer depends upon the intent of the question; whether you want to apply for a policy, or apply for benefits by filing a claim form.
Applying for benefits means you must file a claim form with the insurance carrier who issued the policy. Most carriers conduct business in Maine.
Completing your Application Form
If a picture is worth a thousand words, then an example of how short term disability in Maine creates maternity income is worth thousands of dollars. The payout for normal childbirth depends upon the monthly payment amount, type of delivery, and the elimination period of your temporary contract.
Request a short term disability quote to determine if a purchase decision makes sense for you and your family. Complete a policy application form with a licensed agent to begin your policy.
Policies covering normal childbirth are only available as a voluntary employee disability benefit. We can refer you to agents capable of servicing you and your employer across the state. Agents are located near some of these areas:
- Counties – Androscoggin, Aroostook, Cumberland, Franklin, Hancock, Kennebec, Knox, Lincoln, Oxford, Penobscot, Piscataquis, Sagadahoc, Somerset, Waldo, Washington, and York
- Cities – Auburn, Augusta, Bangor, Biddeford, Brunswick, Falmouth, Gorham, Kennebunk, Lewiston, Orono, Portland, Presque Isle, Saco, Sanford, Scarborough, South Portland, Waterville, Westbrook, Windham, and York.