Short-term disability insurance in Maryland provides partial income replacement to people who purchase a private policy in advance of their change in health status.

The state does offer a program with a tiny benefit earmarked for a small group of applicants. If you qualify, the $185 monthly stipend offers little relief.

Lost income can put a big dent in any family’s finances and make it difficult to stay current on regular bills. Learn how short-term disability works in Maryland.

  • Claim and new policy application forms
  • Coverage for pregnancy and maternity leave
  • Applicable state laws and regulations

Maryland Disability Application Forms

Maryland short-term disability insurance application forms help only those who think ahead. The state does not offer a program covering off-the-job accidents and illnesses. Only low-income households without children qualify for temporary assistance – which is minimal.

 You must purchase your private policy prior to becoming sick, hurt, or pregnant. 

Personal Loan Form

You may be eligible for a loan. Borrowed funding is a viable option for select Maryland residents needing a quick infusion of cash. This works best for people who know that their disability will be brief and that their employer will hold their job open.

You must repay the lender with interest in monthly installments. This can only happen if you recover quickly and your employer restores you to your old position at the same rate of pay. Review the family leave laws in the last section of this article.

Filing a Claim

Apply for short-term disability benefits in Maryland by filing a claim form if you do have a private policy already in force. Contact the company issuing the coverage or visit their website and log into their online member portal.

Your doctor must sign the claim form certifying the medical reason for why you are unable to work. Employer signatures verify that the employee is not working or earning an income. Use the online portal to track the status of your claim and provide additional documentation if needed.

Quote Request Form

Complete an online quote request form as the first step in purchasing a private short-term disability policy. An agent licensed in Maryland may contact you to review example premiums for a variety of feature choices.

  • Elimination period
  • Benefit period
  • Monthly benefit amount

The agent can assist you in completing a new policy application form and submit the paperwork to the insurance company for underwriting review. Keep in mind these two most important requirements.

  1. New policies exclude pre-existing conditions for 12 months
  2. You must show evidence of good health

Temporary Assistance Application

The Maryland Temporary Disability Assistance Program (TDAP) helps certain low-income workers dealing with a short-term loss of income due to a non-occupational medical issue. The benefits are very low and few individuals qualify.

  • Maximum benefit of $185 monthly
  • Unable to work for at least three months
  • No dependents under the age of 18
  • Countable asset limit of $1,500
  • Monthly income limit of $185

The TDAP online application form is simply a way to obtain more information. People must apply at their local Department of Social Services office. Complete medical form 500 to see if you qualify for this and a variety of other helpful programs.

  • Food Supplement Program
  • Temporary Cash Assistance
  • Childcare Subsidy
  • Refugee Cash Assistance
  • Public Assistance to Adults

Maternity Disability in Maryland

Short-term disability in Maryland covering maternity-related conditions is often confusing. Some of the rules are unexpected. The timing requirements cause many women to miss the opportunity to enjoy baby-related income replacement. Therefore, pay careful attention to these guidelines.

  1. Begin coverage before conception and not after
  2. Pregnancy is a pre-existing medical condition
  3. Financial help for expecting women is limited
  4. Individual plans bought outside of employers do not cover childbirth
  5. Personal and group policies purchased at work have complete coverage

Pregnancy Complications

Both individual and group-based short-term disability in Maryland may cover the complications of pregnancy. Twenty-five percent of expectant women must stop working prior to delivery because of medical reasons.

  • The probability of high-risk women filing a claim is even higher
  • Bed rest beginning in the first trimester could last six months

Therefore, buying an individual policy outside of an employer makes sense if your employer does not offer an option. You have protection from accidents and illnesses as well.

Normal Childbirth

Only worksite-based short-term disability in Maryland covers mom’s recovery from normal childbirth. Women need time to recover from labor and delivery before returning to work. These policies make a standard claim payment.

  • Vaginal birth: 6 weeks less the elimination period
  • C-section delivery: 8 weeks less the elimination period

Worksite-based coverage comes in two basic forms.

  1. Employees pay the premiums for personal voluntary plans. They own the coverage and can keep in in force wherever they work.
  2. Employers pay the premiums for group plans. The employer owns the policy and all workers qualify regardless of health.

Women can ask their employer to offer a voluntary option. There is no direct cost to employers to offer a paid maternity leave program to female employees. They simply have to support a payroll deduction.

Maryland Short-Term Disability Laws

Maryland short-term disability laws offer limited job protections to some workers. In addition, several federal and state regulations provide income replacement for occupational injuries and permanent health conditions.

State Disability Benefits

Maryland does not offer state short-term disability benefits for off-the-job accidents and illnesses for all workers. However, there are three notable exceptions.

  1. The temporary disability assistance program helps a small group as noted above
  2. Social Security offers income replacement for long-term non-occupational conditions
  3. Worker’s Compensation provides income support for occupational losses

Social Security

Social Security in Maryland provides state long-term disability benefits for non-occupational health conditions. Two programs address partial income replacement for permanent (not temporary) losses.

  • SSDI – program for workers who paid FICA taxes
  • SSI – monetary payments for adults and children who meet resource criteria

The Disability Determination office determines the eligibility of applicants for Social Security Benefits. The office contact information is below.

PO Box 6338
Timonium, MD 21094-6338
410-308-4360

People waiting for SSI approval can tap into the Temporary Disability Assistance program noted above.

Worker’s Compensation

Worker’s Compensation insurance provides temporary disability benefits for occupational injuries and sicknesses. Maryland state law requires most public and private employers to carry this coverage on behalf of all personnel.

File a claim for any accidental personal injury or occupational disease arising out of employment. Expect several types of monetary help if approved.

  • Temporary partial and total disability
  • Permanent partial and total disability
  • Medical and hospitalization benefits
  • Wage reimbursement while seeking care
  • Vocational rehabilitation

Family Leave Laws

Maryland family medical leave laws provide legal job and health insurance protections for disabled workers and their caregivers. Several regulations may come into play when residents are unable to work because of an illness or injury.

  • Federal Family Medical Leave Act
  • Flexible Leave Act
  • Healthy Working Families Act
  • Parental Leave Act

Group Plans

Maryland insurance laws mandate that any group plan that covers temporary disability must offer the option to cover any work disruptions brought on by pregnancy and/or recovery from childbirth.

Most policies do this anyway in other states, but having the law on the books ensures that all plans provide this critically important feature.

Sources:

  1. TDAP
  2. Worker’s Compensation
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