Short Term Disability: Pregnancy, Maternity Leave
Short term disability insurance creates maternity leave pay. Plus, it protects your income in case of pregnancy complications, postpartum disorders, accidents, and illnesses at no additional cost. Take a few minutes to avoid months of worry.
- Maternity Leave Pay - Receive up to 8 weeks of cash payments for normal delivery
- Security Just in Case - You are also covered for complications of pregnancy, and more
- No Additional Cost - Cover normal childbirth and the unexpected in one policy
- Request a personal quote to understand your costs and benefits
- Start your policy in the right place at the right time
- Apply for maternity leave benefits after giving birth to your infant
You may be struggling to make ends meet before getting pregnant, losing income during maternity leave, and adding an extra mouth to feed and clothe. Then add the concern for a high-risk pregnancy. What if your doctor ordered bed rest months before your due date?
Short Term Disability: Maternity Leave Pay
Maternity Leave Income For Normal Delivery The amount of income support you may receive for normal childbirth will vary based upon your gross income at time of application, and the benefit amount that you choose to cover. See examples of three different income ranges to discover how your policy might provide maternity leave income while you recover from your delivery, care for your baby, and get to know your infant.
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Short term disability insurance helps you generate maternity leave pay. There is a six week cash payment for a vaginal birth, and an eight week payment for a cesarean delivery. Benefit payments begin after satisfying your policy elimination period, which is most commonly one or two weeks.
Normal childbirth is a covered benefit when delivery occurs nine or ten months after your policy effective date. Once you are already pregnant it will be too late to buy a policy. Also, not every pregnancy goes full term. If you deliver inside the exclusion period you may miss out. So purchase your policy several months before you might conceive.
This may be the only time in your life when you can purchase insurance that covers something you expect to happen. By timing the start date of your policy correctly you may find that the maternity leave benefits you receive for normal childbirth are several times higher than the premium payments you make in advance.
Apply for maternity leave benefits after giving birth to your newborn. This is a streamlined claims process for normal delivery that gets your check to you quickly without any hassle.
Normal childbirth is a covered benefit when delivery occurs nine or ten months after your policy effective date. Once you are already pregnant it will be too late to buy a policy. Also, not every pregnancy goes full term. If you deliver inside the exclusion period you may miss out. So purchase your policy several months before you might conceive.
This may be the only time in your life when you can purchase insurance that covers something you expect to happen. By timing the start date of your policy correctly you may find that the maternity leave benefits you receive for normal childbirth are several times higher than the premium payments you make in advance.
Apply for maternity leave benefits after giving birth to your newborn. This is a streamlined claims process for normal delivery that gets your check to you quickly without any hassle.
Pregnancy Disability Leave
Twenty five percent of pregnancies result in one or more complications. Your doctor may order you to take leave from work for bed rest to protect your health, and the viability of your newborn. Short term disability during pregnancy may replace up to 2/3 of your income should your doctor order bed rest prior to your delivery. The most common pregnancy complications are:
- Ectopic Pregnancy - When the egg is fertilized outside the uterus
- RH Negative Disease - The mother develops antibodies against her baby
- Pre-term Labor - Mother's body tries to deliver the baby before reaching full development
- Group B Streptococcus - Bacterial infection in the vagina
- Placenta Previa - When the placenta blocks the cervix
- Gestational Diabetes - Mother's body does not make enough insulin
- Spontaneous Abortion - 10% to 20% of pregnancies end in miscarriage
If your complications require intense medical care you may be hospitalized as well. If you have children you may need extra help providing care. For many couples this means a significant loss of income, coupled with extra medical bills, and additional non medical bills for child care. The one-two punch of lost income and extra bills adds unhealthy stress right at the time when you should be resting.
Start your policy prior to conception. Even if you are perfectly healthy before complications present, your policy will consider anything pregnancy related as a pre-existing condition.
What if your pregnancy complications crop up during the first trimester? Can you afford to take 9 months away from work? What happens after you deliver - will you have enough money left to spend time bonding with your baby? Be sure that your policy has at least a 12 month benefit period.
Coverage for Postpartum Disorders
Childbirth is a high risk activity. Things may not go they way you envisioned. You may be injured during delivery, or develop an infection. The main disorders that might affect you include vaginal tears, fissures, incorrect suturing following an episiotomy or Caesarean, infections, and postpartum hemorrhage. The leading risk factors include:
- A baby weighing more than 9 pounds
- Use of forceps or vacuum
- Repair of large tears
Your doctor may suggest time taking extra time before returning to work. Your short term disability policy may continue to support your earnings during this time.
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.
Illness Disability Coverage
60% of disabilities are illness related. An illness that causes you to miss work, or spend time in the hospital can have a devastating impact on family finances. Many growing families are two-income households, and both incomes are needed to make ends meet. The most common illnesses causing income disruptions include cancer, heart disease, and degenerative diseases.
Autoimmune diseases strike women three times more than men. These conditions may interfere with your ability to work. Many people purchase short term disability insurance to protect their income in case of illnesses: both men and women - regardless of any plans to have children.
Accident Disability Benefits
20% of disabilities are accident related. Any of us can suffer an accident at any time. If you encounter an accident that causes you to miss work, or spend time in the hospital, you could end up with left-over medical bills, and lost income.
Most accidents occur right in the home. You may get hurt while in the kitchen or just walking down the steps. A simple sprained ankle could cause weeks of missed income for many women. Many female dominated professions require you to be on your feet all day or use of your hands:- Nurses
- Food servers
- Beauticians
- School teachers
- Dental hygeinists
Security at No Extra Cost
You have seen how short term disability insurance generates maternity leave income. The benefit you receive for an event that you can forecast may be far greater than what you make in premium payments. The very same policy also covers:
- Pregnancy complications
- Postpartum disorders
- Illnesses
- Accidents
Request Quotes and Premium Rates See how your policy may pay far more in benefits for a planned event than you pay in premiums before having your baby. Get a personalized illustration showing benefits for normal childbirth compared to your monthly premium costs. Find sample rates for policies covering accidents and illnesses only if you want to purchase coverage directly.
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Start Your Policy: Get Coverage For Normal Childbirth You can get coverage for a planned event: your normal childbirth. What has overwhelming advantages to growing families is a money loser for insurers. So there are a few extra steps needed to get a policy. Learn why, when, and how to get coverage that creates income for a planned medical event, and provides added security at no additional cost.
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Apply for Maternity Leave Benefits: File Your Claim You can apply for maternity benefit payments only after you become disabled - even when you are pregnant and know exactly when you will leave work. Filing a claim for normal childbirth is usually very simple. A few more steps are needed if you are experiencing complications, or need to extend your payments while recovering from childbirth.
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