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.