Short Term Disability Insurance in SC
South Carolina Short Term Disability Insurance
South Carolina short term disability insurance is a valuable benefits to growing families. Many couples are financially stretched even before starting their family. The extra costs for new housing, transportation, baby furniture and more, make having children challenging.
South Carolina Short Term Disability Insurance
Growing families in SC may find it difficult to continue making payments on existing expenses when one or both incomes dry up. The bank and your auto lender rarely seem to care that a family member is sick and unable to work. Yet when having children, couples often begin piling up debt to purchase many necessary items.
Why put all this stress on your family during what should be a happy time? Short term disability can be purchased to cover both incomes. In SC you will need to get your policies at work as most insurance carriers find this the only way to control risks.
Most couples thinking about having children will find it best to start at mom’s employer. She can get a policy for herself that replaces up to ⅔ or her earnings or $5,000 per month. She can get a supplemental policy attached to an accident plan for her husband. Many times dad works in a dangerous occupation, and an accident only plan can be quite affordable.
SC Short Term Disability: Pregnancy, Maternity
If you are trying to conceive, you are also trying to lose mom’s income after childbirth, and perhaps before delivery as well. Mom will need to take time to recover, and odds are no income will be coming in. Also she may experience complications of pregnancy and lose far more income than you might have planned or expected.
South Carolina State Disability Insurance
South Carolina does not have a state mandated temporary disability program. South Carolina state disability insurance consists only of Federal benefits for long term impairments. Only total disabilities are covered.
Since a pregnancy last for about nine months you will not be covered by this program. Unless something happens that causes some type of permanent inability to work. This is quite rare, and most women will not find any maternity income relief.
The S.C. Vocational Rehabilitation Department of Disability Determination Services processes claims for state residents.
The South Carolina State Accident Fund provides temporary wage replacement payments for people who experience an injury while working on the job. The fund will provide compensation equal to ⅔ of your average weekly wage during the time you are unable to work as a direct result of your on the job injury. No compensation is available for any sickness, maternity situation, or off the job accidents.
South Carolina Maternity Leave Laws
South Carolina has three fairly limited maternity leave laws which complement protections available from federal regulations.
State employees are allowed up to fifteen days of sick pay leave per year. Sick pay may be accumulated, but may not exceed 180 days. Employees may not use more than ten paid sick days to care for a family member.
It is illegal for employers with more than fifteen employees to discriminate against an individual "because of sex", or "on the basis of sex". This is further defined as "pregnancy, childbirth, or related conditions". This regulation does not appear to offer any broader protections that what already exists under the federal Pregnancy Discrimination Act.
Unemployment insurance may be used in South Carolina during maternity leave if your child is born prematurely, with a birth defect, or other illness. Also your husband may be able to take advantage during the time you are disabled due to pregnancy or childbirth. The state took advantage of federal "unemployment modernization incentives" and recently expanded the uses of the benefits to include the illness or disability of an immediate family member - which includes spouses, parents, and minor children.
Unemployment insurance can sometimes be used during maternity leave once you are able to resume working, but your employer let you go in the interim. Consider this one silver lining of limited regulation.
The remainder of applicable statutes are made up exclusively federal regulations. The national laws apply to employers based upon employee size, while employees qualify based upon number of hours worked and other criteria.
We refer a network of agents located throughout the Palmetto State who can easily travel to your office location. Agents can be found in most major metropolitan areas including:
Aiken, Anderson, Charleston, Columbia, Conway, Easley, Florence, Goose Creek, Greenville, Greenwood, Greer, Hanahan, Hilton Head Island, Lexington, Mauldin, Mount Pleasant, Myrtle Beach, North Augusta, North Charleston, Rock Hill, Seven Oaks, Simpsonville, Socastee, Spartanburg, St. Andrews, Summerville, Sumter, Taylors, Wade Hampton
SC Legislature Online Section 8-11-40
South Carolina Human Affairs Law
SC Social Security
Unemployment for compelling family reasons
SC State Accident Fund