Pregnancy and Maternity Leave

Short Term Disability Insurance: Pregnancy, Maternity Leave

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 Insurance for pregnancy and maternity leave can relieve some of your stress.

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

If you are planning a pregnancy, you have a once-in-a-lifetime opportunity to buy income protection to cover a planned event: your normal maternity labor and delivery!

Short Term Disability Insurance pays a six week benefit for your vaginal delivery, and an eight week benefit for your c-section birth. Your maternity leave benefit may greatly exceed the premium you pay.

At no additional cost, you are also covered in case of:

Pregnancy complications
Delivery complications
Premature birth
Accidents
Illnesses

Pregnancy and maternity leave benefits are payable only when coverage begins before conception. Don't delay!

If your are already pregnant and need insurance there are options to get coverage and lower your costs.

State Short Term Disability Insurance State Short Term Disability Insurance coverage varies based upon your state of employment. There is mandated coverage in five states: California, Hawaii, New Jersey, New York, and Rhode Island. But coverage is often inadequate.

Applying for Short Term Disability Coverage The best time to apply for short term disability coverage is at least three months before you conceive. Your benefit for normal delivery will still greatly exceed your premium, and you lock in your benefit in case of premature birth.

Short Term Disability Benefits Short term disability benefits vary based upon the policy options you select: the benefit period, the elimination period, and the percentage of income replacement.

Individual Short Term Disability Insurance Individual short term disability insurance for pregnancy and maternity leave can be made available through your employer. You won't find these benefits sold direct. The policies are portable, so you can keep the policy no matter where you work.

Is Short Term Disability Income Taxable? Your answer depends upon how you paid for the premium. If you paid pre-tax, or your employer contributed to the premium, your benefit is taxable. What to do if you are looking for a maternity leave benefit.

Supplemental Disability Insurance Supplemental Disability Insurance replaces an additional amount of your income to close the gaps left by state disability, long term disability, social security disability, and employer sponsored group disability plans.

Self Employed Short Term Disability Insurance Finding short term disability insurance is very hard when you are self employed. Insurers don't sell these policies direct. If you are planning a pregnancy, you may feel left out. Don't - there remain ways to get coverage for contractors and others.

Short Term Disability Rates & Quotes Short term disability rates and benefit illustrations for pregnancy & maternity. The benefit for normal delivery may greatly exceed the premium you pay, creating weeks of maternity leave income.

- Great Value to You and Your Family -

- No Direct Cost to Your Employer -

Ask and It Will be Given!

Pregnancy and Maternity Leave

Ask Your Employer for Voluntary Employee Benefits.