Short-Term disability insurance in Tennessee helps families replace a portion of income during the time either parent is unable to work due to a covered accident or illness. Having a policy in place makes it easier to pay your regular bills while you recuperate.
Do not assume that the State of Tennessee provides a mandatory program covering temporary medical conditions. It does not. You must purchase a private policy in advance of getting sick, hurt, or pregnant in order to protect your income, and enjoy paid leave from work.
- Requirement for filing a claim and buying a policy
- Benefits for pregnancy bed rest and maternity leave
- Tennessee laws regarding medical leave from work
Tennessee Short-Term Disability Requirements
The most important short-term disability insurance requirements in Tennessee pertain to the need to purchase a private policy before getting sick, hurt, or pregnant. The state does not have a mandatory program, and you must have private coverage in place before the need arises in order to file a claim for benefits.
These requirements directly affect how you file a claim for benefits and start a new policy.
Filing your Claim for Benefits
Having a private policy in place prior to becoming sick, hurt or pregnant is the primary requirement to file a claim for benefits. There are no exceptions to this rule.
Debt relief application if you owe more than $10,000 in unsecured obligations. Lost income combined with added medical expenses often translate into financial hardship. This could qualify you for a settlement program.
Apply for a short-term loan if you did not purchase a private policy before you become pregnant, or unable to work because of an injury or illness. A network of online lenders will review your application, and if approved, transfer funding into your bank account within days.
Apply for short-term disability benefits if you have a policy in force in advance of your need. Both your doctor and employer will need to help complete the carrier’s claim form. Make sure everything is accurate, and you document all medical issues properly.
Policy Application Forms
The primary requirement for purchasing a policy is that you must show evidence of good health, and you must be actively working. An agent may ask medical questions when completing the application. The agent will also ask whether you missed five or more consecutive days of work during the last twelve months.
The secondary requirement pertains to projected lost income. A new policy will not cover preexisting health conditions until twelve months after the effective date.
Begin by requesting an online quote to estimate the monthly premium costs. An agent will take your new policy application over the phone, and submit the application to the carrier for underwriting review.
You can conveniently purchase privately outside of your employer by limiting what the contract may cover. Ladies planning to have children often fare best when purchasing through the worksite – if her employer offers a voluntary option. If not, an individual policy is a reasonable compromise.
Tennessee Short-Term Disability Pregnancy
Short-term disability insurance in Tennessee may cover mom’s pregnancy bed rest prior to delivery and her maternity leave after normal childbirth. When you request your quote, you will learn that you must choose between two types of plans: one offers convenience, but addresses bed rest only, while the other offers greater value.
Bed Rest before Delivery
Both plan types may cover pregnancy bed rest. A woman with a high-risk pregnancy may need to stop working months before her delivery. Mom must be under a doctor’s care, and her doctor must establish the medical reason behind why she cannot perform her work duties.
You can purchase private policies covering complications of pregnancy only without involving your employer.
Maternity Leave after Childbirth
Short-term disability for maternity leave covers mom’s recovery from normal childbirth. Only employee benefit policies provide this very popular and valuable benefit. Do not waste your time looking elsewhere. Ask your employer to offer a voluntary option to you and your co-workers so you can enroll in a program before you conceive.
When bought prior to conception these policies make cash payments for eight weeks for a C-section delivery and six weeks for a vaginal birth. The cash payments made are often about three times what a woman of childbearing age might pay in premiums over twelve months.
The program can pay for itself. Working women who are planning a pregnancy have the ideal motivation to purchase; they plan to use the benefit and can time things to fit their schedule.
Tennessee Short-Term Disability Laws
Tennessee does not have any unique laws pertaining specifically to short-term disability insurance. However, several related regulations may come into play for families and workers who are unable to earn an income because of a medical condition.
Tennessee does not have a state-mandated insurance program covering temporary disabilities. Tennessee law does not require employers who operate in the state to offer plans. Employees are not automatically enrolled, or required to purchase coverage. You must purchase a private policy own your own prior to becoming sick, hurt, or pregnant.
Tennessee state disability consists solely of Social Security. Benefits may be permanent, but you must be totally disabled, and your medical condition must be expected to last 12 months or longer. You should contact the Tennessee Division of Rehabilitation Services to file a claim.
Family Leave Law
The Tennessee Family Leave Act provides female employees 16 weeks of unpaid leave for adoption, pregnancy, childbirth, and nursing of her infant. The state saw a need to protect women’s rights during this critical time; however, it stopped short of replacing income. Now you know what to do.
Blue Cross Blue Shield
Blue Cross Blue Shield of Tennessee provides traditional healthcare programs, which reimburses providers when a covered member seeks medical care. Please note, this traditional program does not replace income while you are unable to work.
Blue Cross Blue Shield does provide a voluntary short-term disability option for its own employees to purchase via payroll deduction. BCBS also owns a subsidiary company, Group Insurance Services, which markets these and other ancillary programs to employer groups.