Texas short-term disability benefits provide working families peace of mind. Most employers do not provide paid leave. Many families cannot pay their ongoing bills when one parent is no longer earing an income.
Where do you turn to protect family finances when income stops coming in because you are unable to work? Find out how short-term disability insurance in Texas works for pregnancy, and other medical events that may cause lost income.
- Filing your claim and calculating your benefit
- Covering pregnancy and maternity leave
- Texas regulations protecting your rights
Filing for TX Short-Term Disability Benefits
When filing for Texas short-term disability benefits it may be helpful to know what steps to take, what forms to complete, and what all this paperwork might yield in claims money. Learn how to file your claim, and calculate an estimated benefit amount.
Texas does not have a state mandated program. You must purchase a policy prior to conception, or before becoming sick or injured to qualify for benefit payments. A short-term loan can provide the needed infusion of cash to offset expenses until you can return to work.
Filing Your Claim
Filing for short-term disability benefits requires that you complete a claim form. Both your doctor and employer will need to provide information and sign the form. The doctor certifies the medical reason you are unable to work. Your employer certifies that you are no longer working and earning an income. Return the claim form to the company that sold your policy.
Most people do not need a short-term disability calculator in Texas to determine benefits amounts. The math is very simple. The maximum monthly amount is two thirds of your monthly income or $6,500 whichever is less. The monthly amount is determined at time of application for a policy.
Get a short-term disability quote to calculate how monthly premiums based upon your choice of monthly amount, elimination period, and payment duration. Rates also vary by industry of employer.
Payments begin after satisfying an elimination period, which range from zero days for accidents to ninety days for accidents and illnesses. The elimination period is also determined at time of policy application.
Payments continue for as long as you remain continuously unable to work up to the policy duration. The duration can be as short as three month, or as long as twenty-four months. The duration is also determined at time of application.
TX Short-Term Disability Pregnancy
Short-term disability for pregnancy in Texas makes having a baby more affordable. Many women work in occupations where being pregnant makes it difficult to perform the primary duties of their full-time occupation.
Others experience medical complications and need bed rest. Most must stop working for six to eight weeks to recover from childbirth.
Texas short-term disability for maternity leave is an ideal purchase for any woman planning to start a family – or add a new family member. When your coverage begins before conception, a policy may replace a portion of your earnings while on your leave to recover from normal childbirth. Cash payments are made directly to you for a normal pregnancy, labor, and delivery.
A vaginal birth allows a six-week payment, and a cesarean delivery pays for eight weeks. A policy with a one-week elimination period would net out five and seven weeks of net payments, respectively. These payments are often several multiples of what you might pay in premiums in advance of your delivery.
Only policies sold at work as a voluntary employee benefit replace income for normal childbirth. Individual maternity health insurance plans can greatly reduce your out-of-pocket delivery costs.
Texas teachers can utilize short-term disability if offered as a voluntary benefit. Teachers are predominately female, and have a strong need for maternity leave income – even if they give birth during summer months.
Teachers can pay the premiums themselves through payroll deduction. Even though there is no direct cost to school systems, too many teachers miss a valuable option.
Contact your union representative and begin the negotiation process with your school board.
Buy short-term disability in Texas preconception. There is no state mandated program. You are not automatically enrolled. You must take positive action on your own.
Get your policy started several months before you think you might conceive. There is a nine-month exclusion for normal childbirth. Not every pregnancy goes full term. It is possible for a normal delivery to fall inside the exclusion period, even if the policy starts before conception.
If you deliver inside the exclusion period, claims may be paid if you can document when conception occurred, and that your pregnancy was abnormal in some way: was delivered prematurely.
Texas IVF insurance mandate can help offset many costs of conception.
TX Short-Term Disability Laws
Texas short-term disability laws nibble around the edges. There are no laws requiring coverage, or modifying the way that private carriers issue and market policies. Several federal and state-level regulations provide job protections, and alternative ways to protect income.
State Mandated Program
Texas does not have a state mandated short-term disability insurance program. Employers are not required to offer employees an option. Employees are not required to participate, and are not automatically enrolled.
However, the state does allow the use of unemployment compensation if a worker quits because of a compelling family reason. A compelling family reason may include the workers own medical condition, or the need to care for a sick family member. Think of this as a hidden state-level maternity leave law.
The Family Medical Leave Act (FMLA) and Texas short-term disability play together well.
FMLA is a federal regulation that provides covered workers with twelve weeks of unpaid job protected leave. Employers with more than fifty employees are required to comply. Employees working 1,250 hours annually are eligible.
Private policies provide the paid leave component. The eligibility criteria are much looser. Employers with three or more employees can offer a program for employees to purchase.
Social Security does not provide short-term disability in Texas or any other state. Payments are made for permanent conditions only. Social Security program rules assume that working families have access to other resources to provide support during periods of temporary disruptions in wages.
If you are unable to work because of a permanent medical condition, you should contact the Office of Disability Determination Services.
Texas Workforce Commission short-term disability provides benefits for on-the-job accidents and illnesses only. The commission oversees the workers compensation laws.
Workers compensation does not address your exposure to any injury or sickness that occurs while away from work. Private policies cover these exposures.
Department of Labor
The Texas Department of Labor does not require short-term disability coverage either. This department administers the payday law, and the child labor law, and disseminates information about minimum wages.
The payday law requires that employers must provide any promised fringe benefit written in the company handbook. Fringed promises may include sick pay, vacations, family leave, holiday pay, and severance.
Image credit: kbuntu / 123RF Stock Photo