Short Term Disability Insurance in MN
Minnesota Short Term Disability Insurance
Minnesota short term disability insurance is a valuable maternity benefit. Your growing family may appreciate coverage when pregnancy complications arise in advance of your expected maternity leave. Spend quality time bonding with your newborn, without the financial anxiety.
Couples in the North Star State have added maternity leave protections in the form of a family leave law. You may have 10 or 12 weeks of unpaid job protected leave depending upon whether the MN or Federal FMLA law applies. Each has unique criteria. Either way, an extended bed rest in advance of your due date, or a prematurely born infant may require extra time. Can you afford the lost income?
Minnesota Short Term Disability: Pregnancy, Maternity Leave
A disability policy can relieve some of your pregnancy related stress. Relax more and worry less. If you are trying to get pregnant, make an effort to purchase coverage that rewards your successful outcome: a perfectly healthy pregnancy and baby!
Minnesota short term disability for maternity pays cash benefits for normal childbirth. The length of benefit duration depends upon the type of delivery: vaginal (6 weeks) or c-section (8 weeks). Your benefit will be offset by an elimination period of either one or two weeks. The premium you pay in advance of bringing home your baby may be a small fraction of what may be paid back in benefits to your family. You are also covered in case of:
Minnesota Short Term Disability
Short term disability insurance and Minnesota share one thing in common: twins. MN has the twin cities and a baseball team named after them. A temporary disability policy protects your paycheck in two ways: for accidents and illnesses.
Accidents can happen at any time, in any place. The most common place to suffer an injury is right in the home. You could be walking down the steps, slicing carrots in the kitchen, slipping on a wet floor. One minute you are fine, the next you are out of work for weeks or months.
Growing families are younger. Young people are healthier. But even young women can get sick. Autoimmune disease strikes women three times more than men. When a condition flares up it could mean weeks of missed work and lost income. Periodic bouts of medical unemployment can wreck havoc with family finances.
The interesting point about illness disability is this: complications of pregnancy are a covered illness. And women having twins or triplets are far more likely to experience a high risk pregnancy, and require extended bed rest prior to delivery.
Minnesota Maternity Leave Laws
Minnesota has several regulations that help families during parental leave. In addition there are federal statutes that apply to some residents based upon size of employer, and hours worked in the last twelve months.
The MN At Home Infant Care Program assists income qualifying parents after the birth of an infant. A family is eligible if one parent provides full-time care of the infant. Assistance may last for as long as one year.
Unemployment compensation is sometimes available during maternity leave. MN statute 268.095 provides for benefits eligibility if you quite work due to an employee’s own illness or injury, or to care for the serious injury, illness, or disability of an immediate family member. This exception applies only if the employee provides notice, and reasonable accommodations are not made by the employer.
Policies that cover complications of pregnancy only can be sold direct and handled over the phone and through the mail. If you want coverage for normal pregnancy that is a worksite only product. A local agent in the MN area would need to visit your office to set up your employer account and take your application.
We maintain a network of agents located in both the Twin Cities and Greater Minnesota ares including: Minneapolis, Saint Paul, Rochester, Duluth, Bloomington, Brooklyn Park, Plymouth, Saint Cloud, Eagan, Woodbury, Maple Grove, Coon Rapids, Eden Prairie,Burnsville, Apple Valley, Blaine and Lakeville.
MN At Home Infant Care
MN Statute 268.095