Short-term disability insurance and the Family Medical Leave Act (FMLA) are sometimes taken simultaneously. People can easily confuse the two together, when they are completely separate and distinct.

One provides income replacement as a private insurance program. The other provides unpaid job protections as a federal regulation. There are other differences as well.


Many of our best customers learned things the hard way. The majority of site visitors begin thinking about replacing income during maternity leave once it is too late. They know better the second time around.

You can purchase short-term disability when already pregnant. Many companies do not ask pregnancy related medical questions. However, your existing pregnancy will not be covered.


Applying for disability benefits after the delivery of your healthy baby is simple and easy. Download an express pregnancy claim form, have your doctor indicate the type of delivery and date of birth, and submit it to the carrier.

Women experiencing complications of pregnancy prior to delivery have more work to do. However, the effort is worthwhile. Coverage must start prior to conception.


Get quotes and rates to find out what the monthly premium might cost. Premiums vary based upon the policy features you select: elimination period, benefit period, and monthly benefit amount. Your age, the state where you work, and the industry of your employer also factor into the equation.

Find alternatives sources of help if you are currently disabled or have an existing health condition.


There are several types of individual disability insurance. One type is in very high demand and exists in an unlikely form.

Personal policies covering normal childbirth are very attractive, and can be purchased when offered at the worksite. Private plans sold directly offer convenience. Discover the type most suited to your needs


Asking how short-term disability insurance works is a very broad question. The issues differ when making a purchase or when filing a claim for benefits.

Many different elements combine together to determine what it costs, where to buy, when to enroll, how much it pays, and how long benefits last.


Many people need to estimate how long their short-term disability benefits will last after the insurance company approves their claim. This helps with budgeting for those out of work for an extended period.

Claims payments will continue as long as you are unable to work due to a covered medical condition or the benefit period ends – whichever comes first.


Waiting periods are one of the most confusing concepts for applicants and policyholders. Short-term disability insurance works differently than many people want or expect.

Income protection works like any other insurance program. Once you need the coverage, it is too late to buy a policy. Act in advance of your need.