West Virginia Short Term Disability: Maternity Benefits

West Virginia short term disability insurance is vital coverage for growing families in the Mountain State. Expenses often peak just as income drops after childbirth. This combination puts many couples in a financial bind. It doesn't have to work this way.

• WV Short Term Disability  – protects your income if hurt or sick
• Disability for Pregnancy – maternity benefits paid for normal delivery, plus complications
• West Virginia State Disability Insurance – covers disabilities expected to last more than 12 months
• West Virginia Maternity Leave Laws - unpaid job protection benefits

West Virginia short term disability for pregnancy can relieve some of your stress.

• Create maternity leave income
• Spend more time bonding with your baby
• Worry less about paying your bills

If you are planning a pregnancy, you have a once-in-a-lifetime opportunity to buy income protection to cover a planned event: your normal maternity labor and delivery!  Coverage must begin preconception.  There is a nine month exclusion for normal delivery.  If you are already pregnant and need insurance there are a variety of government programs that may be able to help.

West Virginia temporary disability pays a six week benefit for your vaginal delivery, and an eight week benefit for your c-section birth. Your maternity leave benefit may greatly exceed the premium you pay. At no additional cost, you are also covered in case of:

• Pregnancy complications
• Delivery complications
• Accidents
• Illnesses

A West Virginia short term disability policy can protect your income in case of accidents and illnesses that may cause you to miss work. You rely on your income to pay your mortgage, car payments, etc. Wouldn't it make sense to insure the asset that helps pay these bills - your health and ability to earn an income?

If you were to become disabled tomorrow and couldn't work for two or three months, would you have enough savings to cover living expenses during that time? If not, you may want to consider West Virginia short-term disability insurance.

Short term disability coverage in West Virginia can replace up to 2/3 of your income or $5,000 per month - whichever is less. Benefit periods range from 3 months to 24 months. You can select from of range of elimination periods to help keep your premiums affordable.

West Virginia does not have state mandated short term disability insurance. There are only five states with such coverage.

West Virginia state disability insurance consists only of Social Security Disability benefits.  You must be totally disabled, and your disability must be expected to last one year or more, or result in death.  Coverage is not for temporary disabilities. 

If you are permanently disabled you should contact the West Virginia Disability Determination Services.  This department administers Social Security Disability benefits.  There are two offices located in the state:

500 Quarrier Street, Suite 500
Charleston, WV 25301-2913
Professional Relations Officer
304-343-5055
800-344-5033

320 West Pike Street, Suite 120
Clarksburg, WV 26301-2913
Professional Relations Officer
304-624-0200
800-344-7813

There are several federal laws that protect your rights and provide job protected leave. West Virginia does not have state level maternity laws.