Short-term disability insurance in Maryland provides partial income replacement for non-occupational incidents that prevent people from working for up to twelve months.

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

Temporary disability insurance through Worker’s Compensation only helps people dealing with on-the-job accidents and illnesses. Meanwhile, Social Security addresses non-occupational losses lasting one year or longer.

Short-term disability in Maryland works by filling this colossal gap left uncovered by government programs: up to twelve months of lost income due to off-the-job accidents and illnesses.

Short-Term Disability Insurance MD

Buying a short-term disability insurance policy in Maryland is a good idea for any worker concerned about lost income due to an off-the-job accident or illness. The state does not offer or mandate this benefit for government employees or workers in private industry.

Therefore, you must apply to purchase a new policy before becoming sick, hurt, or pregnant if you want to file a claim for benefits.

Table Of Contents

Application Forms

People working in Maryland have two short-term disability application forms to complete: one to buy a new policy and one to file a claim for benefits.

New Policy

Request a short-term disability quote as the first step toward buying a new 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 help you complete a new policy application form and submit the paperwork to the insurance company for underwriting review. Keep in mind these two essential requirements.

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

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.

Maternity Leave

Maternity leave laws in Maryland provide paid time off for state employees. However, public servants working in the county or municipal jobs may not be as lucky. Plus, residents working in the private sector rely on their employer’s generosity, which is hit or miss.

Therefore, purchasing a short-term disability policy before conception is the primary way most women can enjoy maternity leave pay. However, the place where you enroll and the type of policy can impact your claims experience.

  • Medical complications of pregnancy that cause you to miss work before your due date
  • Recovery from labor and delivery after normal childbirth have two outcomes
    • Individual plans bought outside of employers do not cover
    • Personal and group plans obtained at the worksite include benefits
      • Vaginal delivery: 6 weeks
      • C-section birth: 8 weeks
  • Postpartum disorders that delay your return to work
    • All plan types address postpartum medical issues
    • Only group plans include postpartum depression

State Short-Term Disability MD

Maryland does have multiple forms of state disability insurance. However, each program addresses a narrow slice of needs and leaves one gaping hole: residents living check-to-check who lose income temporarily (less than twelve months) because of an off-the-job incident.

TDAP

The State of Maryland supports the Temporary Disability Assistance Program (TDAP), which helps a sub-group of low-income individuals that expect to file a Social Security claim.  

However, TDAP benefits are meager, 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

People interested in TDAP must apply to their local Department of Social Services office. Complete medical form 500 to see if you qualify.

Social Security

The State of Maryland administers two Social Security disability programs jointly with the federal government. Workers automatically fund premiums through payroll taxes, so almost everyone has coverage for non-occupational losses.

  • Social Security Disability Insurance (SSDI) covers workers who paid into the system via FICA taxes payroll deducted by employers
  • Supplemental Security Income (SSI) addresses the needs of adults and children who have limited earnings and resources

However, Social Security does not cover temporary disabilities. Your doctor must expect your medical condition to last at least one year or longer. Plus, many residents wait a long time for approval because the criteria are strict, and many ultimately do not qualify.

Temporary Disability

The State of Maryland requires employers to purchase Worker’s Compensation insurance, which provides temporary disability benefits for occupational (on-the-job) accidents and illnesses.

If your temporary malady occurred on-the-job, contact the insurance company selected by your employer to file a claim. In addition to partial wage replacement, the mandated policy may make other payments.

  • Permanent disability claims
  • Medical and hospitalization benefits
  • Wage reimbursement while seeking care
  • Vocational rehabilitation

State Employees

It does not appear that Maryland offers short-term disability to state government employees. The list of employee benefits includes coverage for health, dental, and prescription drugs, plus flexible spending accounts and life insurance.

On the other hand, State employees do have an impressive list of paid leave options that could buffer lost income during a temporary work absence.

  • Sick time
  • Death in the family
  • Legal actions
  • Organ donation
  • Religious observations
  • Parental leave
  • Disaster service