Virginia short term disability insurance is an important benefit for growing families. Most employers may not provide paid leave. How can you continue paying regular bills when added medical expenses enter the mix?
Preserving your income with a private policy is a great way to answer this question. Learn how short term disability insurance works in Virginia.
- Policy terms
- Qualifying conditions
- Pregnancy bed rest
- Maternity leave
- Application forms
- Virginia laws related to disability
Virginia Short Term Disability Insurance Benefits
Individual short term disability policies in Virginia are designed to provide coverage for covered accidents and illnesses subject to limitations and exclusions. The policies are designed to provide income replacement rather than reimburse expenses for hospital, surgical, or medical expenses.
Terms Defining Benefit Amounts
Policies will pay total disability benefits if you are totally disabled for longer than the policy elimination period, and the policy remains in force when the disability begins. If you are disabled while unemployed the policy will make payments provided you are kept at home and can’t perform two or more activities of daily living.
So how much do you get, and how long does it last? That answer depends upon three policy feature variations select at time of policy application. The monthly income replacement amount can reach as high as 66% of gross monthly income, subject to a limitation of $6,500 monthly. The elimination period means the period of time during which no benefits are payable. The payment duration means the length of time payments last while continuously disabled.
Quotes of Premium Cost
Each of the three policy features described above affect the monthly premium cost. Higher monthly benefit amounts, shorter policy elimination periods, and longer payment durations translate into higher premium costs for a policy.
Get a short term disability quote to determine how policies work in Virginia. Choose between more affordable premium configurations, or the greatest level of income security.
Qualifying Medical Conditions
Short term disability insurance in Virginia covers most accidents and illnesses subject to limitations and exclusions. The list below is not exhaustive, but addresses the most common questions people ask.
Accidents that occur after the policy effective date are generally covered. There are exclusions for acts of war, intentional injuries, accidents that occur while intoxicated, or while committing a crime.
Most biologically based illnesses are covered as well. The primary exception is illnesses that are considered a preexisting condition at time of application. Preexisting conditions will not be covered unless the period of disability begins more than twelve months after the policy effective date.
Pregnancy related medical conditions are covered by most policies. However, women who are already expecting make up a large portion of site visitors. Coverage must begin prior to conception.
Pregnancy Bed Rest
A normal pregnancy is not considered a qualifying medical condition. However 25% of pregnancies may encounter one or more pregnancy related medical conditions that may prevent mom from performing the duties of her primary occupation.
Short term disability for pregnancy in Virginia provides valuable income replacement. It is not uncommon for doctors to order bed rest prior to delivery. In fact, complications of pregnancy are the third most common claims reason for these policies.
Get the rest you need without worrying about money.
While a normal pregnancy is not considered a qualifying medical condition, recovery from normal childbirth is a qualifying medical condition with certain policies. Some do cover normal childbirth and some do not.
Policies covering childbirth make a 6 week payment for vaginal delivery, and an 8 week payment for cesarean delivery. These payments may greatly exceed premium costs. The only policies that cover childbirth are available as employee paid benefit programs.
Most short term disability policies will cover biologically based illnesses only. Mental health disorders are rarely covered such as postpartum depression, memory loss, anxiety, stress, affective disorders, and adjustment reactions. Alzheimer’s Disease and other organic senile dementias may be covered.
Application and Claims Forms
A policy application form needs to be completed to purchase a policy. You choose the policy features at time of application. A licensed agent will record answers to questions about income, and medical history, and submit the policy application to the issuing company.
Applying for benefits after becoming disabled requires the completion of a policy claims form. Download the claims form from the issuing company’s website, and follow instructions carefully.
Virginia Laws Relating to Disability
Virginia does not have any laws requiring state short term disability benefits. There is no such thing as Commonwealth of Virginia short term disability. Private coverage is the lone option for people concerned about the affect of any temporary disabilities.
Federal Government Employees
Many Virginians work for the federal government. Federal government employers are covered by the ADA and the FMLA, regardless of the number of employees so many of the holes associated with private employers do not apply. However there are not state specific regulations, so national laws provide the only job protection benefits.
Federal government employees have easy access to short term disability benefits through a convenient payroll deduction.
State employees are also afforded job protections under FMLA and ADA. State employees also have access to income protection benefits via the Virginia Department of Human Resources (DHR). State employees have income security when they cannot work because of a partial or total disability.
Social Security Disability provides income security for permanent medical conditions only. Temporary disability benefits are not available. If you are medically unemployed you should contact the Virginia Disability Determinations Office. This department will be able to assist you in filing your claim and determining your eligibility.