Private short-term disability insurance in Texas provides working families peace of mind. Most employers do not provide paid leave. That state does not have a program making benefits payments for temporary medical conditions.
Where do you turn to protect family finances when income stops coming in because you are unable to work? Find out how short-term disability insurance in Texas works for pregnancy and other medical events that may cause lost income.
- Filing your claim and calculating your benefit
- Covering pregnancy and maternity leave
- Texas regulations protecting your rights
Applying for TX Short-Term Disability Benefits
When applying for Texas short-term disability benefits it may be helpful to know what steps to take, what forms to complete, and what all this might yield – and most of all who qualifies. Remember, Texas does not have a state temporary disability program.
The most important distinction relates to filing your claim versus applying for new coverage that covers future losses.
Filing Your Claim
Many site visitors did not purchase private coverage before becoming sick, hurt, or pregnant. Others may have thought ahead and made an investment to protect their income. Choose the option that describes your current situation.
Do not Have Private Coverage
If you do not have private coverage already in place, you do not qualify to file a claim for short-term disability benefits in Texas. You must have a private policy in place before becoming sick, hurt, or pregnant in order to file a claim. Texas does not have a state-mandated temporary disability program. You cannot buy a policy after the fact.
- Debt Relief Application. If you already owe more than $10,000 in unsecured obligations (credit cards, personal loan, unpaid medical bills) then you may quickly fall behind on payments without an income. A debt settlement program may be your best option to make ends meet.
- Apply for a short-term loan to get the cash you need. Repay the note in monthly installments. This alternative makes sense only if you expect to return to work very soon.
Already Have Private Policy
If you already have a private policy in force, complete a claims form and submit it to your insurance carrier for review. Your doctor must certify in writing the medical reason for why you cannot work. Your employer must certify in writing that they are no longer paying you to work.
- Apply for short-term disability benefits by filing a claims form provided by the issuing company.
Applying for a New Policy
You can apply to purchase a new short-term disability policy. In Texas, the plans may cover future pregnancies, accident, and illnesses. You must qualify medically. Any preexisting medical conditions are not covered until twelve months after the effective date.
Request an online quote to estimate the monthly premiums. An agent will help you complete the policy application form by asking you a series of medical questions, and by requesting information about your job and income. You may need to ask your employer to offer voluntary benefits if you want coverage for normal childbirth.
Apply for Income Subsidies
If you are currently unable to work, you may qualify for government assistance with your medical bills. These subsidies are income-based, which may now be much lower than normal.
- Request a health insurance quote. Your inability to work and lost income may come with several unseen benefits. An agent can help you determine eligibility.
- Qualifying life event – A loss of insurance while unemployed may enable you to change plans outside of open enrollment.
- Income-based subsidies – Lower income while unable to work improves your eligibility for government assistance for premiums and unreimbursed medical expenses.
TX Short-Term Disability Pregnancy
Short-term disability for pregnancy in Texas makes having a baby more affordable. Many women work in occupations where being pregnant makes it difficult to perform the primary duties of their full-time occupation.
Others experience medical complications and need bed rest. Most must stop working for six to eight weeks to recover from childbirth.
Short-term disability for maternity leave in Texas is an ideal purchase for any woman planning to start a family – or add a new family member. When your coverage begins before conception, a policy may replace a portion of your earnings while on your leave to recover from normal childbirth. Cash payments are made directly to you for a normal pregnancy, labor, and delivery.
A vaginal birth allows a six-week payment, and a cesarean delivery pays for eight weeks. A policy with a one-week elimination period would net out five and seven weeks of net payments, respectively. These payments are often several multiples of what you might pay in premiums in advance of your delivery.
Only policies sold at work as a voluntary employee benefit replace income for normal childbirth.
Texas teachers can utilize short-term disability if offered as a voluntary benefit. Teachers are predominately female and have a strong need for maternity leave income – even if they give birth during summer months.
Teachers can pay the premiums themselves through payroll deduction. Even though there is no direct cost to school systems, too many teachers miss a valuable option.
Contact your union representative and begin the negotiation process with your school board.
Buy short-term disability in Texas preconception. There is no state-mandated program. You are not automatically enrolled. You must take positive action on your own.
Get your policy started several months before you think you might conceive. There is a nine-month exclusion for normal childbirth. Not every pregnancy goes full term. It is possible for a normal delivery to fall inside the exclusion period, even if the policy starts before conception.
If you deliver inside the exclusion period, claims may be paid if you can document when conception occurred, and that your pregnancy was abnormal in some way: was delivered prematurely.
Texas IVF insurance mandate can help offset many costs of conception.
TX Short-Term Disability Laws
Texas short-term disability laws nibble around the edges. There are no laws requiring coverage, or modifying the way that private carriers issue and market policies. Several federal and state-level regulations provide job protections and alternative ways to protect income.
Financial assistance for unpaid medical bills can soften the limitations of the laws cited below.
State Mandated Program
Texas does not have a state-mandated short-term disability insurance program. Employers are not required to offer employees an option. Employees are not required to participate, and they do not automatically enroll workers in any program.
If you want to protect your income from temporary medical conditions, you must purchase private coverage before the need arises. If your condition lasts more than twelve months, you may be eligible for help from Social Security.
Social Security does not provide short-term disability in Texas or any other state. Payments are made for permanent conditions only. Social Security program rules assume that working families have access to other resources to provide support during periods of temporary disruptions in wages.
Texas does allow the use of unemployment compensation if a worker voluntarily quits because of a compelling family reason. A compelling family reason may include the worker’s own medical condition, or the need to care for a sick family member.
Texas maternity leave laws consist primarily of federal regulations. The Family Medical Leave Act (FMLA) and short-term disability play together well.
FMLA is a federal regulation that provides covered workers with twelve weeks of unpaid job protected leave. Employers with more than fifty employees are required to comply. Employees working 1,250 hours annually are eligible.
Private policies provide the paid leave component. The eligibility criteria are much looser. Employers with three or more employees can offer a program for employees to purchase.
Texas Workforce Commission short-term disability provides benefits for on-the-job accidents and illnesses only. The commission oversees the worker’s compensation laws.
Workers compensation does not address your exposure to any injury or sickness that occurs while away from work. Private policies cover these exposures.
Department of Labor
The Texas Department of Labor does not require short-term disability coverage either. This department administers the payday law, and the child labor law, and disseminates information about minimum wages.
The payday law requires that employers must provide any promised fringe benefit written in the company handbook. Fringed promises may include sick pay, vacations, family leave, holiday pay, and severance.