Georgia short-term disability benefits provide important income security.
Health insurance pays your doctors and hospital bills but does nothing to replace your income during the time you miss work due to an illness, accident, pregnancy complications, or recovery from childbirth.
Most employers do not provide paid leave from work, but you can purchase a policy that achieves the same goal. Georgia does not have a state program.
- Application and claims forms
- Pregnancy and maternity leave
- Georgia disability laws
Georgia Short Term Disability Forms
You may need to complete different short-term disability forms in Georgia depending upon your needs and timing considerations. Remember that you must have a policy in place before submitting a claim form, and the state does not offer a program.
Benefit Claims Form
If you are currently sick, hurt, or pregnant and unable to work you may be wondering about where and how to apply for short-term disability benefits in Georgia.
Since the state does not have a mandatory program, you must have a policy in force prior to filing your claim. Purchasing new coverage is not an option. The carrier will exclude any preexisting health conditions.
Apply for short-term disability benefits if you did purchase private coverage in advance of your need. Follow the instructions closely. A doctor must certify the medical reason for the claim, and the employer must certify that you are not earning income. Attorneys often advertise they can assist fighting denials. Check your policy benefits first to make sure the legal fees leave enough benefit to make the effort worthwhile.
Policy Application Forms
In Georgia, you must complete a private policy application form in order to begin coverage. The state does not offer a program. Begin the process by requesting a quote.
Request a disability quote online to determine premium costs if you do not have a preexisting condition. These quotes are for people whose employer does not offer a voluntary option only. It is much better to purchase a new policy at work – particularly for women planning to have children. See more below for details.
If the cost/benefit works for you, complete a policy application form to purchase coverage. A licensed agent will assist in completing the application, recording answers to medical questions, and submitting it to the issuing company.
Georgia Short Term Disability Maternity
Short-term disability for maternity in Georgia makes great sense for growing families. The program often pays for itself, as benefit payments often exceed cumulative monthly premiums.
Women utilize the policies most often utilized during pregnancy bed rest, and on maternity leave while recovering from labor and delivery.
Pregnancy Bed Rest
Complications of pregnancy may require bed rest and stop women from working prior to delivery. This is when the income protection benefits are most important.
Chances are that medical expenses are much higher. Many women must choose between getting the rest ordered by their doctor, and work in order to stay current on bills.
Women who purchase a policy prior to conception do not have to make this difficult choice. If you are already pregnant, your options are limited. The policy will not cover preexisting medical conditions until 12 months after the policy effective date.
Short-term disability for maternity leave in Georgia may cover your normal childbirth. Normal childbirth is a covered illness when delivery occurs nine months after the policy effective date. After satisfying your waiting period of one or two weeks, benefits may last for six or eight weeks depending upon the type of delivery. A C-section delivery lasts two weeks longer.
- Enjoy cash payments for normal childbirth
- Spend time with your newborn without the financial pressure to return to work
- Lower bill paying anxiety
- Use the planned benefit to fund the premium cost, and worry less about losing your income.
Short-term disability in Georgia works by replacing a portion of income while the insured is unable to work at his full-time occupation.
Monthly benefits payments can reach up to 2/3 of gross monthly income, capped at $6,500 monthly. The elimination period describes how quickly payments begin. The payment duration describes how long payments last.
Georgia Short-Term Disability Laws
There are very few Georgia short-term disability laws that extend rights to workers. Several federal regulations provided unpaid job-protected leave while certain employees are unable to work.
Georgia does not have state mandated short-term disability insurance. Workers must purchase private coverage to address temporary medical conditions in advance of becoming sick, hurt, or pregnant.
Social Security Disability is available for residents expected to be out of work for one year or more. If you expect your medical condition to last more than one year, then consider applying to this federal program, managed at the state level.
Family Leave Laws
Georgia family leave laws consist primarily of federal regulations, which provide an unpaid job, protected leave, and protect women’s rights at the workplace during pregnancy.
The Georgia Department of Labor provides state employees with two voluntary policy choices.
- The temporary policy has a seven or thirty-day waiting period.
- The long-term policy has a one hundred eighty day waiting period.
These programs are available for state employees only. Private workers must ask their employer for a similar voluntary option.