Get online quotes for two individual short-term disability insurance policy types.

Determining the premium cost per month is only half the equation. You also need to know what the policy will cover. A complete answer is more important than an instant response.

First, the applicant must show evidence of good health in order to qualify. If approved, a new policy will not cover pre-existing conditions for 12 months.

Second, women planning to have a baby in the future must choose between two forms of individual coverage. One provides greater convenience, while the other offers better benefits.

  1. Quote expectations for individual plans bought outside of employers
  2. Quotes for two plan types covering pregnancy and possibly childbirth

Short-Term Disability Quotes for Individual Policies

Online short-term disability insurance quotes for individual policies contain questions designed to ferret out the adverse selection. Adverse selection occurs when most people wanting to investigate the cost of coverage have a motive – they plan to file a claim.

Request an online short-term disability quote if you are not planning to file a claim. In other words, none of the following describes your situation.

  • Already expecting a baby
  • Currently disabled
  • Have an existing medical condition

Health Questions

Do not waste your time requesting an online short-term disability quote if you have an existing medical condition. You must be healthy enough to qualify and be willing to wait before filing a claim.

The online quote form will ask if you have a major health condition. Many people will not qualify or pay more if they currently suffer from any of the following diseases.

AIDS / HIVAlcohol / Drug AbuseAlzheimer’s / Dementia
AsthmaCancerClinical Depression
DiabetesEmphysemaEpilepsy
Heart AttackHeart DiseaseHepatitis / Liver
High Blood PressureHigh CholesterolKidney Disease
Mental IllnessMultiple SclerosisPulmonary Disease
StrokeUlcersVascular Disease

Any new policy will not cover pre-existing conditions for 12 months – if you are healthy enough to qualify. Already expecting women cannot get new coverage for any maternity-related losses during the first year. People with pending surgeries or other losses on the horizon need to identify an alternative form of assistance.

Cost per Month

The monthly premium cost presented by an online short-term disability quote varies for each individual. An agent licensed in your state may contact you to review the approximation. Several variables unique to each person and the features combinations determine the premium rates.

  • Applicant Information
    • Gender – women often pay more than men do
    • Age – rates are often age banded
    • Tobacco use – smokers pay higher rates
    • Occupation – certain job roles are riskier
  • Policy Features
    • Monthly amount – usually 66% of income subject to a hard-dollar cap
    • Benefit Period – the maximum duration of claim payments
    • Elimination Period – how quickly claim payments begin

Short-Term Disability Insurance Pregnancy Quotes

Online quotes for short-term disability insurance covering pregnancy reflect two distinct policy types and one critical reminder. The purchase channel and timing make a huge difference for women planning to have a baby.

First, we present the timing reminder. Begin the coverage at least three months prior to conception. A new policy will contain two important exclusions.

  1. 12 months for pre-existing conditions excludes already expectant women from filing a claim for their current pregnancy.
  2. 9 months for normal labor and delivery excludes claims from women who deliver preterm. Do not take any chances – start as early as possible.

Second, we present a difficult choice between two forms of individual plans covering pregnancy.

  1. Private plans cover pregnancy complications only – but you do not have to involve your employer. You purchase directly from an agent licensed in your state.
  2. Personal plans also cover mom’s recovery from labor and delivery – but you can only buy them at work. Your employer must offer the option.

Pregnancy Complications

Request an online quote for private short-term disability that you can purchase outside of your employer. This policy type is very convenient to purchase. However, it has a unique value proposition.

  • It May Cover
    • Complications of pregnancy that cause mom to stop working before her due date
    • Accidental injuries that prevent mom from performing her work duties
    • Non-maternity related sicknesses cause an interruption to income
    • Postpartum disorders that delay mom’s return to work
  • It Will Not Cover
    • Mom’s recovery from normal labor and delivery
    • Only worksite plans offer this popular benefit

Maternity Leave

Request an online quote for personal short-term disability that does cover mom’s recovery from normal labor and delivery. Only policies bought at work create maternity leave pay. In addition, they may also cover the same medical events noted above.

  • Complications of pregnancy that cause mom to stop working before her due date
  • Accidental injuries that prevent mom from performing her work duties
  • Non-maternity related sicknesses cause an interruption to income
  • Postpartum disorders that delay mom’s return to work

This policy type is only available at the worksite. Your employer must offer a voluntary option to you and your co-workers. Individual employees own the personal coverage and pay the premiums themselves via payroll deduction. This is not group coverage. Since employees pay the premium, the employer incurs no direct cost.

Enjoy paid maternity leave benefits. Ask your employer to offer a voluntary option if not currently available. Your fellow co-workers will thank you!

This chart and the video that follows it illustrate why it makes sense request an online quote for a personal policy – even if your employer does not offer an option. They give you the motivation to ask for something very valuable – that costs your employer very little to oblige!

CoveragePrivatePersonal
Future AccidentsYesYes
Future IllnessesYesYes
Pregnancy ComplicationsYesYes
Normal ChildbirthNoYes
Postpartum ComplicationsYesYes

What to Expect from a Quote for Normal Childbirth

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