Short Term Disability: Pregnancy, Maternity Leave

Short term disability insurance is like three policies in one:

1. Short term disability for pregnancy: protects your income in case pregnancy complications cause you to miss work before your delivery.
2. Short term disability for maternity leave: creates maternity leave pay for your normal labor and delivery, while also covering postpartum disorders.
3. Short term disability for accidents & illnesses: replaces a portion of your income in case you suffer a medical event and miss extended time from work.

Many growing families are struggling to make ends meet - before losing mom's income, and then adding an extra mouth to feed. And there is always that doubt in the back of your mind: what if something happens?

Short Term Disability Pregnancy

25% of all pregnancies will experience one or more complications. Your doctor may order you to stop working before your delivery. Can you afford this extra unplanned time away from work?

Short term disability insurance for pregnancy protects your income in case pregnancy complications cause you to miss work before your delivery. It will replace up to 2/3 of your income during this time, enabling you to get the rest you need to stay healthy.

Short Term Disability Maternity Leave

Most employers do not provide paid maternity leave benefits, and only five states have mandated disability coverage that will cover your maternity leave. Many women face an unpaid maternity leave just when the extra bills for feeding, clothing, and caring for a new infant begin piling up.  Relieve some of your stress:

• Create maternity leave income
• Spend more time bonding with baby
• Worry less about paying your bills

Short term disability insurance for maternity leave pays a six week benefit for your vaginal delivery, and an eight week benefit for your c-section birth: less the elimination period. Your maternity leave benefit may greatly exceed the premium cost.

Postpartum disorders or delivery complications may require you to remain on maternity leave longer than the standard six to eight weeks. During this time, short term disability for maternity leave may continue to pay benefits, enabling you to fully recover before returning to work.

Short Term Disability Insurance: Accidents & Illnesses

Short term disability insurance is primarily designed to help protect against unplanned events that cause you miss work: accidents and illnesses. Any one of us could encounter a medical event and miss time away from the job. You rely on your income to pay many of your bills. Wouldn’t it make sense to insure your ability to earn an income?

If you are planning a pregnancy, you have an once-in-a-lifetime opportunity to buy short term disability insurance to cover a planned event: your normal maternity labor and delivery! At the same time you gain added security in case of unplanned events:

• Pregnancy complications
• Postpartum disorders
• Accidents
• Illnesses

Short term disability pregnancy and maternity leave benefits are payable only when coverage begins before conception. Don't delay!

Complete the form on the upper right hand corner of the page.

If you are already pregnant and need insurance your options are limited to state and federal aid programs, and creative cost saving approaches.