The topic of New York short-term disability insurance for pregnancy highlights the need for a greater level of income replacement. Normal childbirth is a very common claims reason. Women of childbearing age may stop working multiple times, and use the coverage often.
The state plan caps payments at only $170 per week. An extra policy can help you replace a greater portion of your income for this very likely event. Learn how the state and a supplemental plan can work together during pregnancy.
- Application and claims forms
- Benefits during pregnancy and maternity leave
NY Short-Term Disability Pregnancy Forms
When the time comes to complete your New York short-term disability pregnancy forms, you may have two sets of paperwork to complete. While completing two claims forms may seem tedious, the greater level of income replacement makes it worthwhile.
Most people will complete the state form, as almost every private worker automatically qualifies for the $170 weekly amount. A minority will also complete the supplemental form, and realize up to an additional $1,625 per week.
Complete the New York State short-term disability claim form DB-450 when applying for the government benefit program. Both your doctor and employer need to complete sections of the form. The trickiest part of the process is identifying where to send the completed form. Each employer may contract with a different carrier.
Speak with your employer about where to send the form soon after becoming pregnant. Your condition may cause you to miss work expectantly. You want to identify your carrier while you are still feeling well.
Applying for pregnancy disability benefits through a supplemental plan requires a separate form. Rather than working with a universal claim form, each carrier has unique paperwork requirements.
Contact the carrier who issued your plan and download the claims form. Both your doctor and employer complete their sections, you sign where indicated, and fax the form back to the carrier.
Short-Term Disability Insurance Pregnancy NY
Short-term disability insurance for pregnancy in New York highlights the need for a supplemental plan. Childbirth is a high-risk medical event. Mom may miss months of work prior to delivery.
The state program pays only $170 per week. Many families cannot afford a long period of bed rest at such a meager amount. Supplemental plans increase pregnancy benefits, but have different rules before conception and delivery.
The state program does not require any specific action prior to conception. Most workers are automatically enrolled. This is the primary advantage. The primary disadvantage is the low weekly benefit amount.
You must purchase a supplemental policy prior to conception, which is the primary drawback. However, the primary advantage is that women planning a pregnancy can purchase a policy replacing up to $6,500 monthly or sixty percent of income.
Get a short-term disability quote to estimate premium costs and pregnancy related benefits.
Bed Rest before Delivery
Twenty-five percent of pregnancies will experience one of more complications, so chances are quite high that that you might need to stop working much earlier than planned: perhaps months ahead of schedule.
New York State short-term term disability benefits may begin prior to delivery. Your doctor or certified mid-wife must submit medical reports. More extensive information may be required if you stop working more than four weeks prior to delivery.
Supplemental plans work in a similar fashion during pregnancy. Your doctor must state the medical reason requiring bed rest.
NY Short-Term Disability Maternity Leave
New York short-term disability for maternity leave once again highlights the need for additional income replacement, along with another set of unique distinctions for supplemental plans. Normal childbirth is a planned medical event for many. Purchasing an extra plan to increase maternity leave income just makes sense.
However, the state and supplemental plans work differently during maternity leave. The secondary plans fill the primary hole in New York State maternity leave laws – the small weekly benefit amount.
Both the state and certain supplemental plans cover normal childbirth, and create maternity leave income. A plan cannot cover maternity leave unless it covers mom’s recovery from normal childbirth.
|Vaginal Delivery||6 weeks||6 weeks|
|C-section Birth||More detailed information may be required after 6 weeks||8 weeks|
|Elimination period||1 week||Determined by owner at time of policy application|
Both types of plans cover normal childbirth when acquired as an employee benefit program. Plans covering childbirth lose money for the carriers. The state plan is required for all private workers, so carriers have a large pool of lives covered. Supplemental plans are only offered at the worksite so that your co-workers can be included in the pool of lives.
Both New York short-term disability policy types also cover postpartum disorders that may occur after childbirth. Ten percent of women will experience postpartum disorders that may delay return to work. Any maternity leave extension at $170 per week could hurt family finances.
Individual policies purchased online may cover postpartum disorders, and help increase the level of income replacement. A malady that occurs only ten percent of the time is not a sure money loser for carriers. Many women do not have access to policies through work.
Purchase this convenient policy type prior to conception to enjoy greater income replacement in case of pregnancy bed rest, postpartum disorders, off-the-job accidents, and illnesses. However, if you want a policy covering normal childbirth, your employer must agree to offer voluntary benefits.