You might be banging your head against a brick wall if your employer doesn’t offer short-term disability.

It is impossible to buy a policy that covers maternity leave outside of your employer. Private options cover complications of pregnancy only.

Ask your employer to offer a voluntary option! Employees pay the premium and own the policy themselves.

 

Individual short-term disability covering normal childbirth is the most sought after policy type. There are two different plans. One has better benefits, the other is more convenient to purchase.

Understand the key differences between the two different plan types. There is a reason why these are so popular with women, but so unpopular with carriers.

 

Long-term disability insurance policies often contain elimination periods of three months or longer. Benefit payments last up to age sixty-five if continually disabled.

Most women taking leave from work to recover from a normal childbirth require six to eight weeks. Policies with shorter elimination periods provide a much better fit.

 
 

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.