The state of Massachusetts does not offer state-mandated temporary disability. The state maternity leave laws provide only unpaid job rights. Health insurance plans do not replace income when a family member experiences a medical event.

Residents should purchase private short-term disability prior to becoming sick, hurt, or pregnant. Do not rely on the state for this form of financial assistance. You must do it yourself.


Many couples wait until later in life to begin their families. Infertility becomes a common challenge for couples in their 30’s and 40’s. The Massachusetts infertility mandate requires health insurance plans to cover many infertility treatments, including In Vitro Fertilization.

The law is comprehensive compared to other state mandates. One item remains missing. Lock in maternity leave income prior to your next cycle and avoid the need for financial assistance that you will not find.


The Massachusetts Maternity Leave Act provides specific job rights to women during pregnancy, and after childbirth. The regulation provides one nasty surprise. Workers may lose their employer’s contribution towards the health insurance plan.

There are not laws providing paid leave, making this untimely increase in expenses difficult to afford.