Pennsylvania short-term disability insurance is an important option for families needing to protect income. Do not assume that the state offers a mandatory program.
A private policy may restore a large portion of your earnings in the event you are unable to work because of a variety of medical conditions: illnesses, injuries, pregnancy complications, and postpartum disorders.
You may cover maternity leave after a happy and healthy childbirth.
- Benefit Amounts
- Applications and forms
- Pennsylvania Disability Laws
PA Disability Application Forms
If you are looking for application forms, remember that Pennsylvania does not have mandatory state short-term disability insurance. Application forms can mean different things to different people. There are application forms to purchase a policy, and claim forms to apply for benefits.
Applying for Benefits
Applying for short-term disability benefits requires that you first have a policy in place. If you have coverage prior to your medical event, you apply for benefits by completing your carrier’s claim form. Your doctor and employer may need to sign the claim form.
Purchasing a Policy
Application forms to purchase a policy require that you connect with an agent to complete your application. You will be asked to provide income verification, and answer medical questions. You may be asked to provide blood and/or urine samples if purchasing a policy directly.
For women looking for an application for PA short-term disability covering maternity leave there is an extra step. These policies can be purchased only if your employer offers short-term disability to its employees. Ask your employer to offer a voluntary option so you can take advantage.
PA Short-Term Disability Benefits
Pennsylvania does not have mandatory state temporary disability. A personal short-term disability policy in PA is a critically important purchase for any working-woman planning to bear children. When started before conception, your policy may make cash payments of six or eight weeks after normal childbirth. Enjoy your time bonding with your newborn.
Complications of pregnancy that occur before delivery and postpartum problems may also be covered. Once you are already expecting the window of opportunity to buy a policy will be closed. Learn how to get a policy covering normal childbirth.
Pregnancy Bed Rest
Many women experience medical complications during her pregnancy. It is quite common for a doctor to order bed rest, or request that mom stop working prior to delivery. Many couples find it hard to afford an unpaid maternity leave. When additional unpaid time away from the job is added before delivery, the financial consequences can be devastating.
Your contract may help support your income if you leave work prior to delivery with a doctor’s note. Make sure you purchase a policy with at least a twelve-month benefit duration to span your entire pregnancy, maternity leave, and a cushion in case postpartum problems delay your return to work.
Short-term disability for pregnancy in PA may replace your income during pregnancy bed rest. You can purchase these policies directly.
Short-term disability in PA can provide maternity leave income. Your policy will make either a six or eight-week cash payment after normal childbirth, depending upon the type of delivery: vaginal, or C-section. Your elimination period must be satisfied before these benefits are paid. Most policies designed to cover childbirth come with a one or two week elimination period. Policies with higher monthly benefit amounts will be coupled with the two-week elimination period.
Most policies include nine-month exclusions for normal pregnancy and childbirth. Purchase your policy a few months before conception to avoid delivering inside the exclusion period. Not every pregnancy lasts exactly nine months. In fact, many deliver preterm and it is possible to conceive after your policy effective date yet still give birth inside the exclusion period.
Request a quote for individual policies covering normal childbirth. Determine if the payments made for your maternity leave after normal childbirth are worth the effort to involve your employer. These policies are only sold when offered employer groups as a voluntary benefit.
PA Short-Term Disability Laws
It is difficult to find any specific Pennsylvania short-term disability laws. State temporary disability is not mandatory in PA, but there are other rules that spell out certain rights for residents and workers.
Time of Conception
Pregnancy related illnesses and recovery from childbirth are the most common claims reasons. Many couples begin this journey using fertility treatments. While Pennsylvania has no infertility insurance laws, six neighboring states have laws that may apply to state residents.
Family leave laws in PA provide job protection rights. There is no law providing paid leave benefit payments.
Pennsylvania state employees are not offered the opportunity to purchase coverage at work. The state offers its employees a variety of supplemental insurance options, but short-term disability in not included as an option. There is a long-term disability option with a sixty day elimination period choice. Union members should contact their representative to see if something is available through this channel.
State workers in Pennsylvania may request up to six months of extended parental care leave. This is unpaid leave without continuation of health entitlements.
A parent’s child support obligation is determined by tracking all sources of income including wages and salary, bonuses, business income, interest and dividends, alimony, Social Security Disability, and temporary disability payments.
Pennsylvania unemployment laws do not permit workers to collect compensation if they are unable to work because of a sickness, injury, or disability. This is the purpose of temporary disability insurance.
Department of Labor
The Pennsylvania Department of Labor provides information about income assistance programs for state residents. The bureau of vocational rehabilitation helps people with hearing, physical, learning, cognitive, metabolic, mood, and behavioral impairments. There are also programs for people who are blind or visually impaired, and deaf or hard of hearing. The bureau of disability determination helps people with disabilities expected to last one year or more.
The workers compensation bureau helps people who were injured while working on the job. PA short-term disability insurance covers off the job accidents and illnesses only.
Image credit: kbuntu / 123RF Stock Photo