Short-term disability insurance takes the financial worry out pregnancy bed rest before birth. You doctor may order you to stop working months before your delivery. Can you afford to take the time off?
The coverage also allows mom to enjoy a maternity leave pay while she recovers from childbirth and bonds with her newborn baby. The very same policy may also pay benefits if mom delays her return from work because of postpartum problems.
- Gain security in case of complications before birth
- Enjoy maternity leave income after normal childbirth
- Spend time bonding with your baby without financial stress
Short-Term Disability Insurance for Pregnancy
Short-term disability insurance for pregnancy works differently than most site visitors assume. Buying a policy is an important first step, as most states do not automatically provide coverage for workers. You must purchase the coverage at the right time, and through the right channel to obtain the policy with the optimal benefits.
Purchase coverage for normal childbirth through a voluntary employee benefit offering prior to conception.
When Already Pregnant
Short-term disability pregnancy preexisting conditions are generally not covered. Most policies contain exclusions for preexisting medical conditions. You can purchase short-term disability while pregnant, but the policy will cover only future conceptions. Two exclusions generate the majority of denied claims.
- A preexisting condition may mean, having a sickness or physical condition for which you were treated, received medical advice, or had taken medication within 12 months before the effective date. If you miss work because of a preexisting condition, the policy will not make claims payments if the income loss occurs during the first 12 months of effective date.
- Giving birth as the result of a normal childbirth, including C-section, which occurs within nine months of the effective date.
Apply for a short-term loan if you do not qualify to receive benefits.
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When Planning a Pregnancy
The ideal time to purchase short-term disability is at least three months before getting pregnant. You may also need to begin the process even sooner, as delays inevitably happen. As you will shortly learn, the most valuable option requires cooperation from your employer. Sometimes that process takes more time.
By purchasing at least three months prior to conception you avoid triggering exclusions for normal delivery. Normal childbirth must occur after nine months of the policy effective date. One in eight babies delivers preterm. You can begin your policy prior to conception, and still deliver inside the exclusion period.
Request a Quote
Get a short-term disability quote to estimate the monthly premium cost, and compare the cost to the expected claims payments for normal childbirth. See examples of what the policy may also pay in the event of complications, premature birth, postpartum disorders, accidents, or an illness.
You will find that the expected claims payments for highly likely medical events may greatly exceed your premiums. The ratio of claims to premiums explains why you want to purchase coverage. The ratio also motivates action.
You may have visited this page because your employer does not offer short-term disability, or you missed their annual open enrollment, and need a policy to begin right away. You can choose between two types of individual policies. One offers greater convenience, the other better benefits.
Voluntary short-term disability for maternity leave does cover your recovery from labor and delivery! You can enjoy maternity leave income for a medical event you know is highly likely to occur.
You can enjoy these better benefits if your employer agrees to offer a voluntary option. You pay the premiums yourself via payroll deduction for an individual policy you own. There is no direct cost to your employer to provide the option to you and your co-workers.
You must ask your employer. We provide talking points, and help with setup with your employer.
Individual short-term disability for maternity leave allows you to purchase coverage without involving your employer. The process is simple and easy. Contact an agent licensed in your state to complete an application.
This policy type has one major drawback. Recovery from labor and delivery is not covered!
Applying for Benefits
Apply for short-term disability benefits when leaving work before birth due to bed rest or high-risk complications. Your policy may begin making claims payments after satisfying the elimination period. Your doctor needs to verify the medical reason why you are unable to work. You employer must verify that they are no longer paying you.
Complete an express childbirth claims form after giving birth. Simply have your doctor validate the type of delivery – vaginal birth, or C-section. The carrier will quickly forward your claims payment provided the date of birth be at least nine months after the policy effective date.
Short-Term Disability Insurance Maternity Leave
Short-term disability insurance for maternity leave makes claims payments while you recover from normal childbirth. Having a policy allows you to spend more time bonding with your baby, and less time worrying about how to pay your bills.
Only policies covering normal childbirth make claims payments during maternity leave. What has overwhelming advantages to growing families is a money loser for insurers. Therefore, there are a few extra steps needed in order to qualify.
Maternity Leave Pay
Short-term disability maternity leave pay works as follows.
- 6-week cash payment for vaginal birth
- 8-week cash payment for C-section delivery
- Payments begin after satisfying your elimination period
- Elimination period is commonly one or two weeks
Voluntary short-term disability provides the majority of paid maternity leave benefits in the United States. There are no federal laws requiring this popular and common entitlement found in other countries. Only five states provide paid leave. Help spread the word.
Reasons to Extend Maternity Leave
Medically based postpartum problems are the most common reasons to extend short-term disability for maternity leave. Having a baby is a high-risk activity. Things may not go the way you envisioned. You may be injured during delivery, or develop an infection.
Short-term disability for postpartum depression rarely works. Check your policy language to see if it excludes mental disorders. Many do not consider postpartum depression or stress as a valid reason to extend maternity leave benefits.
Returning to Work
Your plans for returning to work do not extend short-term disability maternity leave benefits. Medical necessity determines the length of claims payments. They continue as long as your doctor indicates you are unable to work, or the payment period ends.