While the state of Rhode Island offers temporary disability, the program leaves workers with a pay cut and stops making benefit payments after six months. Health care plans often leave parents with leftover medical bills when mom delivers her baby.

Purchase short-term disability prior to conception to increase mom’s level of maternity leave income, and have extra resources to pay the increased medical bills.


Health insurance plans, contracts, and policies delivered in the state of Rhode Island must comply with the infertility treatment mandate. Delivered is the key word in that sentence.

The mandate is attempting to regulate group plans issued in other states without a mandate. Couples working for employers headquartered in other states should learn the implications.


The state of Rhode Island has some of the most comprehensive regulations affecting growing families while on leave. Healthcare utilization is very high when mom gives birth, and lost income could be crippling.

Several family friendly regulations provide extended job protections for extended pregnancy leave, along with three forms of income replacement. One you could easily miss.


The mandatory Rhode Island temporary disability insurance program is one of only five in the United States. The plan provides critical income support when employees are unable to work because of an off-the-job medical condition.

See how much it pays, how long it lasts, and determine the steps needed to apply for benefits.