Schoolteachers often have a strong need for disability insurance employee benefits. Many schools require advanced degrees, which meant that many teachers graduate with significant student loan debt.

Any period of disability could cause a teacher to fall behind on loan repayments. Female teachers often want to start a family, and miss work during maternity leave.


Nurses have several ways to benefit from disability insurance employee benefits. The field is predominately female, which translates into a need to replace income during maternity leave.

Short-term policies sold at worksites do cover normal childbirth. Large hospital systems often provide an option. Nurses working at smaller medical offices often know the benefits decision maker personally.


Supplemental disability insurance fills gaps in many existing policy types. Buying an additional policy often makes senses.

Long-term policies often have long elimination periods. Group plans often have limited monthly benefit amounts. State disability exists in only five states. Social security disability does not cover temporary conditions.


The federal government does not provide disability insurance employee benefits. There are generous and flexible sick leave policies, but newer workers may not have a sufficient number of banked days.

Many disability companies market policies to federal government employees that workers can pay using a third party administrator. Paid maternity leave does exist for federal workers.


Many self-employed workers seek out individual disability insurance in the belief that they have only one option. Policies purchased directly have limitations compared to those purchased through employer groups.

Sometimes the self-employed have employees of his or her own, or work as an independent contractor with a larger entity. Explore all options.


Buying a voluntary short-term disability policy through your employer is the ideal option. Employer paid plans are very rare.

Paying the premium yourself at work means that you can obtain coveted coverage for normal childbirth. Ask your employer to offer the benefit so that you can enjoy paid maternity leave and spend time bonding with your baby without financial worry.