Pregnancy and Short Term Disability Insurance

Short Term Disability: Pregnancy, Maternity Leave

Short Term Disability Insurance: 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.
  • Maternity Leave Pay - Replace your income during maternity leave for up to 8 weeks for normal childbirth, an event many plan in advance 
  • Security Just in Case - You are also covered for unexpected medical events such as complications of pregnancy that require bed rest, and more 
  • No Additional Cost - The insurance premium pays for your planned maternity leave benefit; the added security for unexpected events is part of the package
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 orders bed rest months before your due date? This should be a time of great joy. Don’t allow financial worry to get in the way. 

Short Term Disability: Maternity Leave Pay

Maternity Leave Pay For Normal DeliveryMaternity Leave Pay For Normal DeliveryShort term disability insurance for maternity leave covers your normal pregnancy when bought prior to conception. Your benefit for normal delivery may be several multiples of what you pay in premium prior to delivery. There is a six week benefit for vaginal birth, and an eight week benefit for c-section delivery - less your elimination period. See an example maternity benefit for a nurse working in Texas.
Short Term Disability QuotesShort Term Disability QuotesFind instant sample rates for policies that cover accidents and illnesses only. Learn the keys to finding coverage for normal pregnancy, then request a personalized quote if you think the process is a fit for you. See how much your policy might cost, and compare it with your expected maternity leave benefit.
Applying for Short Term Disability BenefitsApplying for Short Term Disability BenefitsApplying for your benefit after your pregnancy is simple and easy. Many insurers have an express pregnancy claims process that requires a minimal amount of information. The benefit is fixed for normal pregnancy, and the medical documentation is brief, so your claims check can arrive quickly when you need it most.
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We had three kids over six years.  My short term disability policy covered each maternity leave, and a bit more when we really needed it.
Maureen

Short Term Disability Pregnancy: Security Just in Case

Plus, Coverage for Pregnancy ComplicationsPlus, Coverage for Pregnancy ComplicationsShort term disability for pregnancy may cover complications that cause you to miss work prior to delivery. 25% of all pregnancies experience one or more complications. Your doctor may order you to take bed rest months before your delivery. Are you prepared?
Plus, Benefits for Postpartum DisordersPlus, Benefits for Postpartum DisordersPostpartum disorders may delay your return to work after you deliver your baby. Mom does not always recover as quickly as expected during a normal delivery. You may be injured while delivering your baby, or develop infections after your c-section surgery. Make sure your income is protected just in case.
Plus, Security for IllnessesPlus, Security for IllnessesA variety of illnesses may cause income loss, whether they are pregnancy related or not. Women are far more likely than men to suffer an autoimmune disorder. These conditions typically come and go - a common temporary disability situation. Gain protection from these temporary income losses.
Plus, Protection in Case of AccidentsPlus, Protection in Case of AccidentsYou may also suffer a temporary income loss should you suffer an accident. Most accidents occur right in the home. But many women work in occupations that require a great deal of physical activity or sustained use of their hands: nurses, dental hygienists, food servers, beauticians, and many more fit this description. Even minor accidents can keep you out of work for weeks.
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Our fertility specialist said our high-risk pregnancy might require 6 months of bed rest. Thanks to our short term disability policy, we can afford our growing family.
Patrick & Michelle C.

Short Term Disability: No Added Cost

Know the Premium Cost and Maternity BenefitKnow the Premium Cost and Maternity BenefitThe most important step in getting coverage for normal pregnancy is to see an example of how one-sided the policy is for growing families. You can buy coverage for a planned event. When your dreams come true, your benefit may greatly exceed the premium cost. See why getting a pregnancy qualified policy requires a few extra steps, and why the extra effort pays off for you and your family.
How to Get Short Term Disability for PregnancyHow to Get Short Term Disability for PregnancyYou can get disability coverage for a planned event: your normal pregnancy and maternity leave. 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 maternity leave income, and provides added security at no additional cost.