Purchase Short Term Disability At Work
Purchasing short term disability that covers normal delivery means looking in the right place. Looking elsewhere could waste valuable time. If you become pregnant before purchasing short term disability, your pregnancy will not be covered.
Purchase your individual policy through your employer. Insurers are happy to let you purchase a policy that covers a planned event if they can pool risks with your co-workers. We have helped hundreds of women just like you who thought their employer would never agree. Continue reading below to find out why:
- Asking your employer is easy
- A direct option is a wastes priceless time
- Purchasing a policy at work makes sense
Purchase Short Term Disability at Work: It's Easy!
- Your request is simple - You pay the premium so there is no direct cost to your employer.
- Your co-workers will thank you - Expanded benefit choices help everyone.
- Your employer benefits too - Employers fcan expand bnefit choice without adding to direct cost.
- Your privacy matters - Ask for voluntary benefits, not maternity coverage.
- Engage us as your benefits advocate - Your open the door, and warm up your employer. We will make the case on your behalf.
Purchasing Direct Wastes Time - What if You Get Pregnant?
You can’t purchase short term disability for maternity leave individually; insurers don't sell these policies direct. Consider your opportunity from the insurer's perspective:
- Your benefit for normal delivery - a planned event - may triple the premium they receive. That makes you an unprofitable customer.
- Plus, there may be additional losses associated with: pregnancy complications, postpartum disorders, accidents, and illnesses
We understand why you would prefer finding a direct option for maternity leave coverage. Consider the downside of a direct option - if one existed:
- You would be giving money an insurer that lost money on every transaction, and needed YOUR premium dollars to pay previous claims. This is known as a Ponzi scheme.
- The insurer might be out of business before your payday arrived.
Purchasing Short Term Disability at Work Makes Sense
Insurers are happy to let you purchase your policy on one condition: that they have the OPPORTUNITY to pool risks with your co-workers. By pooling their risks, they stay in business, and can be counted upon to pay claims promptly. So short term disability insurance policies with maternity leave benefits can only be purchased through groups: like your employer.
Many of your co-workers are not planning pregnancies - but will find the added security very important - because they recognize their exposure to accidents and illnesses.
