Missouri Short Term Disability: Maternity Benefits in MO

Many growing families in The Show Me State are strapped for cash before starting to have children. There is the mortgage for the new house, a car note for the minivan needed to haul kids to daycare, along with extra expenses for clothing, baby furniture, and much more. Couples living in urban areas near St. Louis or Kansas City may have higher living expenses.  

Missouri short term disability for maternity leave can help you relax. When you purchase a policy that covers normal pregnancy you are making a very smart bet. You have inside information about a future event that you influence: getting pregnant. You can time the coverage start date to your advantage. The insurance company protects itself with a nine month exclusion for normal delivery. If you buy your policy three months before getting pregnant, you normal delivery is likely to fall outside the exclusion period, locking in your maternity benefit. The cash payments typically are about three times the annual premium, so you come out way ahead.  

Missouri short term disability policies pay a six week benefit for your vaginal delivery, and an eight week benefit for your c-section birth. Any complications of pregnancy or delivery may also be covered. Your doctor will have to certify the medical reason behind why you were unable to work during this additional time. 

Missouri short term disability insurance can protect your income in case of accidents and illnesses that prevent you from working on your full-time occupation. Your income helps to pay your mortgage, car payments, etc. Wouldn't it make sense to insure your ability to bring home the bacon?

If you were to become disabled this minute, would you have enough money tucked away to cover your daily expenses for a month? What about six months? Or a year? If not, you may want to consider Missouri short-term disability insurance.

Short term disability insurance in Missouri can replace up to 2/3 of your income or $5,000 per month - whichever is less. You can get an individual policy which remains yours to keep as long as you make the premium payments. It goes with you wherever you work. 

Missouri does not have state mandated short term disability insurance. There are only five states with such coverage. Residents in the state need to purchase a private policy in order to protect income from temporary disabilities - those lasting less than one year.

If you are disabled and expect the condition to last more than one year you may be eligible for Social Security Disability benefits. Contact the Disability Determination Services in MO. This department determines the eligibility of residents who have applied for benefits.

Missouri maternity leave laws consist only of federal statutes. Missouri does not have state level laws pertaining to pregnancy and parental leave that extend or supplement the national regulations. There are several federal laws that protect your rights and provide unpaid job protected leave.