Plus, Benefits for Postpartum Disorders
During childbirth, the delivery may not always go as smoothly as hoped. You might be injured during delivery when a birth accident occurs. The main birth injuries and disorders that might affect you include vaginal tears, fissures, incorrect suturing following an episiotomy or Caesarean, infections, and postpartum hemorrhage.
The leading risk factors associated with birth injury include:
- A baby weighing more than 9 pounds
- Use of forceps or vacuum
- Repair of large tears
You may need more time to recover should you experience a birth injury. Your doctor may suggest time taking extra time before returning to work. Your short term disability policy may continue to replace 2/3 of your income during this time.
Get Coverage in Case of Delivery Complications Childbirth is risky business. For centuries giving birth was the leading cause of death in women. Medical advances have made things far safer, but not foolproof. Why take chances with your finances, when your policy covers a perfectly healthy pregnancy and delivery? Any delay in returning to work may be covered as well. Follow four simple steps to get coverage.
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Complications of Delivery
My pregnancy was going along perfectly, except that my baby was just a little too healthy. My recovery took longer than expected.
Coverage for Postpartum Depression?
Many women experience postpartum depression after delivery. This change in mood may be caused by a variety of factors including:
- Changes in hormone levels
- Lack of sleep
- Changes in work relationships
You may experience feelings of extreme sadness which may affect your ability to return to work. Most short term disability policies will only cover biologic reasons for missed work. Postpartum depression is most likely not covered. Check your policy language to see if mental disorders are part of the policy benefit.
