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.


Request a short-term disability pregnancy quote. Compare the expected maternity leave claim, to the monthly premium costs paid in advance of delivery.

You will quickly see why this coverage is so valuable, so difficult to obtain, and so worthy of taking an extra step. Motivate yourself to ask your employer for voluntary paid maternity leave options!


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.