Prospective parents in often need financial assistance just to have a baby. Many couples struggle with infertility and need help from the medical community in order to conceive.

The New York State infertility insurance mandate and the IVF grant program help surprisingly few families. Find ways to become pregnant without going broke in the process.


Federal regulations govern what happens to New Yorkers when they take leave from work because of a medical condition affecting a family member. Maternity leave is a common reason.

The state has several laws providing limited paid leave options, which are helpful when family members require medical care or are unable to work.


Traditional health insurance plans make payments directly to medical providers when members require care. They do not replace income when employees are unable to work because of a treated medical condition.

The New York State short-term disability program requires employers to purchase a minimal policy for employees, replacing only up to $170 per week.


One topic continually creates confusion – how to find, and where to send a New York State short-term disability claim form. The state program requires employers to purchase a conforming plan, but leaves the choice of insurer up to the employer.

The confusion starts with the multiple payer structure. Rather than one place to submit the form, there are many.