Maternity Leave Income for Normal Delivery
Short term disability insurance helps you create maternity leave pay. Your maternity leave should be a time of great happiness, as you and your newborn child have a chance to bond. Don't let financial concerns rob you of the joy.
- Spend more time bonding with your baby
- Worry less about paying your bills
- Get the rest you need without the financial pressure
You have a once-in-a-lifetime-opportunity to buy insurance that covers a planned event: your normal labor and delivery! Plus, you get coverage for unplanned medical events at no additional cost. Don’t miss out on this important benefit.
Read below to see how this works. Keep in mind that only a handful of insurance carriers offer coverage for normal delivery. You have to play by their rules in order to benefit. We show you how to get coverage.
How to Get Short Term Disability Maternity Pay Every woman prefers a paid maternity leave. Your work hard to make ends meet. Having a baby should not create financial havoc, but for women facing an unpaid leave from work this is exactly what happens. Follow four simple steps to get covered.
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Short Term Disability Creates Maternity Leave Income
Short term disability insurance for maternity leave allows gives you an incentive to get coverage: your planned normal labor and delivery is a covered benefit. Your benefit for normal delivery may greatly exceed the premium you may pay, helping you create maternity leave income.
Short-term disability pays a six-week benefit for a vaginal delivery, and an eight-week benefit for a c-section delivery, less the elimination period. The elimination period is the length of time you are disabled before benefits begin being paid. Most policies contain either a one or two week elimination period.
Let’s take a look at an example. Suppose you work as a nurse in Texas earning $54,000 per year.
- Your monthly gross pay: $4,500
- 2/3 of monthly gross: $3,000
- Monthly short term disability benefit: $3,000
- Short term disability elimination period: 1 week
| Vaginal Delivery | C-Section Birth | |
| Benefit Duration | 6 weeks | 8 weeks |
| Elimination Period | 1 week | 1 week |
| Net Benefit Duration | 5 weeks | 7 weeks |
| Benefit Amount for Normal Delivery | $3,448 | $4,884 |
Your monthly premiums may be a fraction of your benefit for normal delivery; provided you get short term disabillity at the right time, and in the right place.
