Maine short-term disability benefits provide crucial income protection for workers who are unable to work because of a temporary medical condition. Growing families use these policies frequently during their childbearing years.

Private short-term disability insurance policies in Maine can protect your income in case of medical events that may cause you to stop working. Your income supports your rent or mortgage payment, car loans, etc. It may make sense to insure your paycheck!

  • Benefit and policy application forms
  • Pregnancy and maternity leave
  • Maine disability insurance laws

Applying for Short-Term Disability in Maine

There are two ways to answer the question “how to apply for short-term disability in Maine?” The answer depends upon the intent of the question; whether you want to apply for a policy, or apply for benefits by filing a claim form.

Since Maine does not provide a state mandated program covering temporary medical conditions, this question trips up many site visitors. You must purchase a private policy prior to becoming sick, hurt, or pregnant.

Applying for Benefits

Most private carriers conduct business in Maine; however, the state does not provide a mandatory program. If you did not purchase a policy prior to becoming disabled, filing a claim is of little use. You may need to borrow money to meet your temporary needs.

Apply for a short-term loan to meet temporary funding needs if you do not have private coverage already in force. Repay the lender in monthly installments.

Apply for benefits by completing a claim form provided by the carrier who issued your private policy that you bought before becoming sick, hurt, or pregnant.

Policy Application Form

Complete a policy application form to begin coverage for a private policy. An agent may ask you medical questions. You must be healthy enough to qualify. The carrier will exclude any preexisting medical conditions for the first twelve months after the effective date.

Request a pregnancy disability quote to address future conceptions. Learn about the difference in value between going the private route versus working through your employer.

Request an accident/illness only quote if pregnancy is not in your plans. Men and women past childbearing age do not have to worry about involving their employer in the process.

Maine Short-Term Disability Benefits

Many people ask, “How does short-term disability benefits work in Maine?” If you were unable to work for several months, would you have enough money salted away to keep your family above water? If not, you may want to purchase coverage right away.

Benefit Amounts

A private policy in Maine can replace up to 6/10 of your income or $6,500 per month. Payments begin after satisfying an elimination period. Elimination periods are as short as zero days for an accident, and seven days for an illness. Benefit payments may continue for up to twenty-four months depending upon the duration you select at time of application.


Short-term disability for pregnancy in Maine can help you relax and focus on the health of mom and her baby. If you are already pregnant and need insurance, your options are limited. Pregnancy benefits are payable only when your policy begins prior to conception.

  • Generate maternity leave income
  • Bond longer with your newborn
  • Make paying bills easier

If you are considering getting pregnant, you have an opportunity to buy a policy that makes payments when you are perfectly healthy: your normal maternity labor and delivery! Do not pass up on this chance.

Maternity Leave

Short-term disability for maternity leave makes payments or either six or eight weeks depending upon type of delivery. Payments begin after satisfying an elimination period. Your maternity leave benefit may fund three years of monthly premium payments.

The same policy automatically covers you in case of pregnancy complications, postpartum problems, accidents, and illnesses.

Maine Short-Term Disability Insurance Laws

Maine short-term disability insurance laws are not extensive or unique in any particular way.

The Maine State Bureau of Insurance does publish some useful educational information. Their consumer guide to disability insurance provides definitions for benefit limitations, pre-existing condition limitations, and exclusions, elimination period, waiting period, free look period, underwriting, and waiver of premium.

State Program

Maine does not have a state mandated program covering temporary medical conditions. Only five state have such a legal requirement. There are no requirements for employers to offer a voluntary option, or for employees to enroll in coverage.

Social Security

Social Security is the only option for many workers. The definition under this federal program is different from any private temporary policy. It pays only for total inability to work lasting 12 months or longer. It does not compensate anyone with partial or temporary medical conditions.

If your medical condition prevents you from working, you should contact the Maine Office of Family Independence. The Maine DDS make decisions for residents in the state.

American Disability Network may be able to help you when filing a claim for benefits, or when disputing a denial for permanent income replacement.

Family Leave Laws

Maine maternity leave regulations do not provide paid leave entitlements. You may have job security that extends beyond what the federal FMLA provides. Paid sick leave and unemployment compensation programs provide limited income replacement options for a very small sub segment of the population.

Maine State Retirement

Maine state retirement short-term disability is a misnomer. A long-term disability program covers members of the Maine Public Employees Retirement System (MainePERS). The program pays for permanent disabilities only. It excludes temporary medical conditions.

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