Financial assistance for pregnant mothers offers support during a critical time. Getting help with money issues can mean access to prenatal care, extra income, safe rental housing, and a happy well-fed baby.

However, it is not always easy finding the resources.

Mothers-to-be face a confusing array of eligibility rules and agency locations for government aid. Most programs lack clear labels and instructions.

Follow this four-point outline to identify 13 unique monetary support options.

  1. Private resources including loans, debt relief, and disability insurance
  2. Healthcare and income benefits to claim while unemployed
  3. Government paid leave and housing assistance plus grants
  4. Programs offering free money, ultrasounds, and dental care

Private Resources for Pregnant Women

Private companies provide the most accessible resources for nimble pregnant women needing help with money. Most public options target low-income families exclusively and move slowly.

Loans, debt relief, and disability insurance offer rapid and long-lasting financial benefits for parents-to-be. Act promptly and responsibly.

Loans for Pregnant Moms

Request a personal loan for pregnant moms if you need money fast. Quickly obtain the cash needed to pay your regular bills and fund personal uses. It is important to begin while you are still working. Private lenders want to see that you are earning a salary and can afford the monthly payments.

This is not free money that you never pay back. Budget accordingly and prepare several documents before completing your request for a fast loan decision.

  • Employer name and address
  • Driver’s license number
  • Bank account and routing number

Debt Relief

Debt settlement and consolidation programs may reduce the amount you must repay creditors. Expectant women that owe more than $7,500 in unsecured debts may qualify for help.

  • Credit card balances
  • Cash advances
  • Unpaid medical bills

A private company or lawyer will negotiate with your creditors and attempt to reach an agreement whereby the creditor accepts less than full payment on what you already owe them. Keep your resources for other needs.

Private Disability

Private short-term disability provides partial income replacement during a pregnancy bed rest and after mom’s normal labor and delivery. This particular resource has one big advantage and one equally big disadvantage.

  • It is available in all 50 states – private companies offer policies across the country. You do not have to live or work in a certain state in order to take advantage.
  • You must purchase coverage prior to conception – a new policy will exclude any pre-existing medical condition for twelve months.

Apply for benefits by filing a claim with the carrier who issued the policy prior to conception.

Help When Pregnant and Unemployed

Finding financial help is critically important for women who are pregnant and unemployed. The regular bills pile up quickly when you have no job or earnings. In addition, access to proper medical care is now critical.

Explore what benefits you may be able to claim while not working. Working at home puts you in control and puts extra cash in your pocket.

Benefits to Claim

The primary benefits to claim while pregnant and unemployed in the USA consist of income and medical expense support.  Two government-sponsored entitlements may help immediately after a job loss.

Income Benefits

Collecting unemployment benefits offers income support to a small minority of pregnant mothers out of work. Three rules apply across the USA and limit eligibility for many.

  1. Physically able to work
  2. Available for duty
  3. Actively seeking a new job

Women laid off while pregnant can file a claim right away during the time she is physically able to work. Mothers-to-be who quit their job for a good cause reason can file a claim after a delay (once they meet the three nationwide criteria). In addition, the definitions of good cause quit reasons vary by state.

  1. Quit for employee’s own disability qualifies in 6 states
  2. Quit to care for a sick family member qualifies in 22 states

Pregnancy Grants

Access to affordable medical care is the only form of direct pregnancy grants for the unemployed through the government. You can claim one of two benefits based on a lost-job and/or gravidity. The other grant options are indirect – eligibility is primarily income-based.

Most workers in the USA get their health insurance at work. When they lose their job they lose their coverage as well – which is critically important to pay for ultrasounds, prenatal care, hospital & childbirth costs, and other related services.

  1. Medicaid covers pregnant women in all states with limitations based on household earnings and legal citizenship status.
    1. Regular Medicaid
    2. Presumptive Eligibility
    3. Limited Pregnancy
    4. Emergency Services
  2. Unemployment-based lost insurance is a qualifying life event. Expectant mothers who earn too much to qualify for Medicaid can start a private health insurance plan during a special enrollment period.
    1. Coverage for pre-existing conditions begins with no waiting period
    2. Income-based subsidies make the premiums more affordable

Ways to Make Money

Making extra money while pregnant and unemployed or on bed rest is the most reliable option. Finding a work-at-home program puts you in control. The other public entitlements are full of holes – many women do not qualify.

A low-stress computer-based task can help you earn money while on bed rest. Research the online gig opportunities. Companies are happy to pay reliable freelancers who do quality work.

Government Assistance for Pregnant Mothers

Federal and state governments offer financial assistance to pregnant mothers through a variety of agencies and programs. However, these entitlements have only an indirect connection to your status as an expectant parent.

Eligibility depends more on the state where you work or live and earnings relative to the federal poverty level.

Income Assistance

The federal government does not provide income assistance to pregnant mothers taking an absence from work due to complications and/or after labor and delivery. However, six state governments step in an offer the benefit for people who work in their jurisdiction.

State Disability

Five states offer temporary disability. These state-government-sponsored programs frequently provide income-replacement benefits to women during pregnancy. Moms-to-be often stop working prior to delivery for bed rest and other high-risk complications. In addition, recovery from normal labor and delivery is a covered medical condition.

The laws apply to private employees who work in that state. They replace a portion of earnings (at least 50%) up to a hard dollar weekly cap (ranging from $170 per week to over $900).

CaliforniaHawaii
New JerseyNew York
Rhode Island

Paid Family Leave

Six states offer paid family leave. These state-government-sponsored programs provide payments to pregnant women after they have their baby. Paid leave entitlements target caregivers rather than the person who is unable to work. Baby bonding time is an important element after childbirth.

CaliforniaHawaii
New JerseyNew York
Rhode IslandWashington

Housing Assistance

Federal government housing assistance for pregnant mothers transpires at the state and/or county level. In other words, you must identify the correct local agency to find help renting an affordable apartment.

The U.S. Department of Housing and Urban Development channels funds into three rental assistance programs.

  1. Privately owned subsidized housing helps apartment owners offer reduced rents
  2. Public housing agencies administer affordable apartment units
  3. Housing Choice Voucher Program (Section 8)

Catholic Charities offers self-sufficiency assistance, including rapid re-housing and temporary housing, a food pantry, free clothing & household goods. Pregnant women are a high priority as the Catholic Church is a staunch pro-life supporter. Much of their funding comes through government sources.

Maternity Grants

Maternity grants are not available in the USA on a direct basis. The federal government award grants primarily to universities, state agencies, and non-profit organizations – not to individuals needing help paying bills.

The grant money does trickle down to local agencies and non-profit organizations. In turn, the agencies and organizations offer help to low-income females who may be pregnant – or not.

Single mothers often qualify for these indirect grants because they frequently meet poverty guidelines. Marital status is not part of the eligibility criteria.

  • Temporary Assistance for Needy Families (TANF)
  • The Women, Infants, and Children (WIC)
  • Supplemental Nutrition Assistance Program (SNAP or Food Stamps)
  • Low Income Home Energy Assistance Program (LIHEAP)

Pregnancy Assistance Fund

The Pregnancy Assistance Fund is a competitive grant program established under the Affordable Care Act. It provides funding to 17 states and 3 tribal entities so they can provide support services to expectant teens and their families. You will have to connect with the grantee in your local area to obtain specific services.

  • Support at institutions of higher learning
  • Provision at high schools and community service centers
  • Improve services for victims of abuse, assault, and domestic violence
  • Increase public awareness and education

Free Programs for Expectant Mothers

Free programs for expectant mothers can make a limited budget stretch further. Other online resources do a great job of listing coupon sites and rewards schemes that offer gratis baby stuff such as diapers, books, goodie bags, and pillows in exchange for something other than money.

Find helpful resources that have a positive effect on mom’s health rather than scanning yet another list no-cost baby stuff (which has less of a monetary impact).

Free Money

The tax code offers the only reliable source of free money for pregnant moms-to-be. Mom’s prenatal care and hospitalization for labor and delivery will generate significant tax deduction opportunities. Smart use of these medical expense deductions can cause the US Treasury or your employer to send cash you do not have to pay back.

Project your unreimbursed expenses for insurance deductibles, copayments, and coinsurance. Do not forget to include travel to and from doctor offices, and any special equipment you might purchase, such as breast pumps.

Publication 502 lists the qualifying deductions

Choose between contributions into your employer’s Flexible Spending Account (FSA) and taking deductions at the end of the tax year using Schedule A. Each option has a different set of pros and cons. Consult your tax adviser.

ProsCons
FSAFirst dollar savingsEmployer must offer
Schedule ANot employer-basedNo savings on 1st 10% of AGI

Free Pregnancy Centers

Free pregnancy centers exist across the USA. These licensed medical clinics offer a variety of services designed to help adult and teenage mothers to choose life and raise her baby. Many are faith-based charitable organizations that rely on donated funding, goods, and services.

  • Gratis urine or blood tests to verify conception
  • Free ultrasounds provide a valid proof of pregnancy needed to enroll in Medicaid
  • Gratis STD testing to ensure the health of mom and her baby
  • No-cost baby stuff such as used clothing, strollers, and cribs get her started

Free Dental Care

Free pregnancy dental work is often available to women enrolled in Medicaid as the entitlement may pay for certain oral care procedures. The rules vary by state and treatment category.

Dental ProcedureNumber of States
Emergency50
Medically Necessary50
Dentures & Bridges25
Preventive27
Restorative25
Periodontal18
Oral Surgery24
Orthodontia1
Cosmetic0

The Early and Periodic Screening, Diagnostic and Treatment (EPSDT) benefit supports teenage mothers with oral care needs across the country. Services must include at a minimum, relief of pain and infections, restoration of teeth and maintenance of dental health.

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