Health insurance plans make claims payments directly to doctors and hospitals to compensate them for providing medical care. The programs do not replace income.

The state of Maryland does not offer any financial assistance for temporary disability. Residents must purchase a private short-term disability policy to protect their family finances.


Growing families in Maryland having difficulty conceiving, have a rare form of direct financial aid. The state requires insurers to cover In Vitro Fertilization treatments after a two-year waiting period. There is a lifetime cap on payments of $100,000.

Any couple using these features should make certain to lock in maternity leave income prior to starting their next cycle.