Virginia short-term disability insurance is an important program for growing families. Most employers may not provide paid leave. The state does not offer a program for temporary medical conditions.
How can you continue paying regular bills without an income, when added medical expenses enter the mix?
Preserving your income with private coverage is a great way to answer this question. Learn how short-term disability insurance works in Virginia.
- Application and claims forms
- Qualifying conditions: pregnancy and maternity leave
- Virginia laws related to disability
Application and Claims Forms
A policy application form needs to be completed to purchase coverage. You choose the features at time of application. A licensed agent will record answers to questions about income, and medical history, and submit the application for coverage to the issuing company.
Applying for benefits after becoming disabled requires the completion of a claims form. Download the claims form from the issuing company’s website, and follow instructions carefully.
VA Short Term Disability Benefits
Individual short-term disability in Virginia provides coverage for covered accidents and illnesses subject to limitations and exclusions. The policies 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 physically unable to work for longer than the elimination period, and the coverage remains in force when the medical event occurs. If you are unemployed, the policy will make payments provided you are kept at home and cannot perform two or more activities of daily living.
How much do you get, and how long does it last? That answer depends upon three feature variations you 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. The elimination period means the period during which no claims are payable. The payment duration means the length of time payments last while continuously unable to work.
Quotes of Premium Cost
Each of the three features described above affect the monthly premium cost. Higher monthly amounts, shorter elimination periods, and longer payment durations translate into higher premium costs.
Get a short-term disability quote to determine how the coverage works 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 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 a preexisting condition at time of application. Preexisting conditions will not be covered unless the claim begins more than twelve months after the coverage 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 common for doctors to order bed rest prior to delivery. In fact, complications of pregnancy are the third most common claims reason.
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.
Virginia Laws Relating to Disability
Virginia does not have any laws requiring state short-term disability. The state does not offer a program. Private coverage is the lone option for people concerned about the effect of any temporary medical conditions.
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. 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 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.