Short Term Disability in TX
Texas Short Term Disability Insurance
Texas short term disability insurance is a valuable component for growing families in the Lone Star State. Policies support your income while on maternity leave after a normal pregnancy and delivery, plus any unforeseen medical conditions such as: complications, postpartum disorders, accidental injury, or a sickness.
Parental leave laws in Texas provide unpaid job allowance, and don't apply to every resident. TX state programs cover longer interruptions only. Most employers don't provide paid leave. Where do you turn to protect family finances? Find some answers below.
TX Short Term Disability: Pregnancy, Maternity
Texas short term disability for maternity is an ideal purchase for any working 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. You also may be covered if you experience complications while pregnant and lose income, or during your delivery and require additional time to heal.
Coverage must begin nine months before your delivery for normal childbirth. Get your policy started several months before you think you might conceive, as not every pregnancy goes full term. It is possible for a normal delivery to fall inside the exclusion period, even if the policy starts after conception. If you deliver inside the exclusion period, benefits may be paid if you can document when conception occurred, and that your pregnancy was abnormal in some way: was delivered prematurely.
When applying for a policy, you elect a monthly benefit amount based upon your gross earnings, and an elimination period. Most women elect the shortest elimination period offered: either one or two weeks. The monthly benefit amount is either ⅔ of your gross income, or $5,000 whichever is less. The cash payments can be tax free, so you may be restoring close to 100% of your gross income after factoring in your elimination period.
Cash payments are made directly to you for a normal pregnancy, labor and delivery. A vaginal birth pays a six week benefit, and a cesarean delivery pays for eight weeks. A pregnancy disability 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.
One quarter of women encounter some type of medical complication during pregnancy. Postpartum disorders may delay your return to work beyond the standard time frame for normal childbirth. Both scenarios translate into unplanned time away from work, and unbudgeted lost income. In both events, your policy may may continue making cash payments directly to you.
TX Temporary Disability Insurance
Texas temporary disability insurance can protect your income in case of future accidents and illnesses that may cause you to miss work. Many growing families rely on two incomes to cover housing costs, transportation, food, clothing and other living expenses.
Many couples stretch their finances when everyone is healthy. But these costs often escalate when a family member needs medical care: extra doctor bills, co pays, deductibles, child care, and more. When one income goes away the family can really struggle. Growing families add to this financial pressure when they begin having children.
Even a healthy pregnancy, delivery, and baby add to costs. First, there are the medical expenses. Then comes costs for baby furniture, formula, clothing, and more. An accident can happen at any moment. When a couple has a new infant in the home sleep comes at a premium. Parents are exhausted. Immune systems are compromised. It’s easy to get sick, particularly when both mom and dad are both working.
An injury or sickness can cause weeks or months of lost income. Are you prepared financially to weather the storm? Do you have months of savings tucked away for such an emergency? Many growing families don’t.
Texas State Disability Insurance
Texas state disability insurance provides no benefits for temporary conditions. If you are unable to work because of a permanent medical condition you should contact the TX Office of Disability Determination Services.
Payments are made for permanent disabling conditions only. Pregnancy is almost never a fit, as your condition is considered temporary. Social Security program rules assume that working families have access to other resources to provide support during periods of temporary disruptions in wages.
Worker's compensation is another mandated program. It covers medical treatments and redresses income losses for on the job accidents and illnesses only. It does not address your exposure to any injury or sickness that occurs while away from work.
TX Maternity Leave Laws
TX maternity leave laws apply to different groups of workers: state employees, private workers, residents working for smaller employers, and women experiencing complications.
State workers in Texas are entitled to up to 12 weeks of parental leave for the foster care placement of a child, adoption, and birth of a newborn even if they have not met the FMLA criteria for number of hours worked. Employees may be able to utilize the state’s sick leave pool during this time.
Private workers may be covered by three federal statutes. These laws may provide unpaid job protected leave, and help you keep your health benefits - if your employer is subject to these laws. The qualifying criteria is based upon hours worked during the last twelve months, and the number of employees working for your employer.
Unemployment insurance may be used during maternity leave, but only under certain circumstances. If your employer is not held to the FMLA you may lose your job even if you were able to return to work in less than 12 weeks. Or if you experience complications and miss more than 12 weeks, your employer is not obligated to keep your job open beyond the mandate timeframe. You may be able to receive unemployment payments under these scenarios.
Another option opened up within the last few years. The federal government is providing incentives to states to allow the use of unemployment benefits for "good cause". Texas has taken advantage of these incentives and allows workers to tap into unemployment benefits if you quit working on the advice of a physician, to provide care for a minor child with a verifiable medical condition, or to care for a terminally ill spouse where no alternative is available. An infant born prematurely, with a birth defect, or other malady may qualify under this definition.
There are several Federal rules which apply to many but not all TX residents and workers. See how the laws work, and find out if your employer is required to comply.
You will find getting coverage at work is your best and only option. We refer local agents who can visit your employer offices throughout the state.
Agents are located in most major metropolitan areas including: Abilene, Amarillo, Arlington, Austin, Beaumont, Brownsville, Carrollton, Corpus Christi, Dallas, El Paso, Garland, Houston, Irving, Killeen, Laredo, Lubbock, McAllen, McKinney, Mesquite, Pasadena, Plano, San Antonio, and Waco
Texas Gov Code 616.001 - 913
TX Workforce Commission