Oregon short-term disability insurance plans provide vital coverage for growing families. Just as costs shoot up when you experience a medical event, one breadwinner may lose an income.
Having a private policy in place prevents this one-two punch from causing a financial meltdown. Remember, Oregon does not offer a state program covering temporary medical conditions.
Learn how short-term disability in Oregon works.
- Applications and forms
- Pregnancy and maternity leave
- Oregon Disability Laws
Oregon Short-Term Disability Application
There are two types of important forms for short-term disability insurance in Oregon: claim forms to apply for benefits, and applications forms to purchase a new policy.
Many people wait until something happens before investigating how income replacement programs work. Most site visitors arrive well past the ideal time. You may have limited options.
Applying for Benefits
The state does not offer a public program, and new policies exclude pre-existing conditions. You must purchase a private program in advance of becoming sick, hurt, or pregnant in order to file a claim for benefits.
Request a short-term loan to obtain the funding you need if you do not already have private coverage in force. If approved, the lender may deposit money directly into your bank account within days. Repay the note monthly.
Apply for temporary disability benefits if you did purchase private coverage in advance of your need to file a claim. Your doctor must sign the claims form stating the medical reason you are unable to work. You employer must verify that you are no longer working. Send the signed claim form to your carrier for claims payment.
Applying for a Policy
Speak to a licensed agent in order to complete your application to purchase a policy. Most people purchase policies at work when their employer offers a voluntary option. The agent will ask a series of medical questions and may need to verify income with your employer.
Request an online quote for an estimate of monthly premiums as a first step. An agent will contact you and take your application for a new policy, and submit it to the company for underwriting approval.
Men and women past childbearing age can conveniently buy without involving their employer in the process. Ladies planning to have children fare better by applying a new policy at work – if her employer offers a voluntary option. If not, an individual policy is a reasonable consolation.
Oregon Short-Term Disability Pregnancy
In Oregon, short-term disability insurance for pregnancy closes the paid maternity leave gap in the family leave law – for women able to purchase a policy at work prior to conception. Maternity laws allow for up to 36 weeks of unpaid job-protected leave: before delivery while recovering from childbirth, and caring for your infant.
Having income coming in while away from the job is a great stress reliever, and allows you to focus on your own health and viability of your newborn.
Short-term disability for maternity leave covers normal childbirth. In Oregon, only plans sold at your work site will address normal childbirth, helping you generate maternity leave pay.
These policies pay benefits for eight weeks for a C-section and six weeks for a vaginal delivery. If you took leave prior to delivery you may have already satisfied your elimination period. You will not be able to find a policy covering normal pregnancy sold directly to individuals, so you will have a choice to make: do I want better benefits or convenience?
Pregnancy Bed Rest
Twenty-five percent of pregnancies will experience one or more complications. Many women undergoing infertility treatments, those older in age, and those conceiving multiples often experience a high-risk pregnancy. Your gynecologist may require you to stop working months before your due date.
Use your policy to support your income while on leave. Your doctor needs to certify the medical reason behind your absence from work. Bed rest alone is not a sufficient claims reason.
You can purchase individual policies privately without involving your employer that covers this particular risk.
Oregon Short-Term Disability Laws
Oregon short-term disability insurance laws are nominal. The state does not require anything significantly different from other states except for job protection rights for women during a pregnancy leave.
State Temporary Disability
Oregon does not offer a state temporary disability program. Workers compensation addresses on the job accidents. Workers concerned about off the job accidents and illnesses must purchase a private policy before the need arises.
Social Security Disability is a federal program administered at the state level. You must expect your medical condition to keep you from working at any job for at least twelve months in order to qualify.
Family Leave Laws
Oregon Family Leave laws do not allow for income replacement during an employee’s own disability. Options are available for workers who must care for a sick family member. The laws also provide extended job protections for disabled employees.
Women giving birth may be eligible for up to 36 weeks of job-protected work leave.
Public Employee Benefit Board
Oregon state employees have the option to purchase short-term disability through the Public Employee Benefits Board (PEBB). Benefits replace up to two-thirds of income, capped at $1,662 per week. Payments last up to 4 weeks for a preexisting condition, and 13 weeks otherwise.
- Oregon Public Employees Benefit Board
- Oregon Laws: temporary disability
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