Long-Term Disability For Maternity Leave

Deciding how much leave to take after the birth of a child is part of pregnancy for working women. Benefits such as paid time off, maternity leave, and disability are a crucial part of the parental leave equation.

It is common for a combination of vacation time, company-paid parental leave, and short-term disability benefits to cover a six to twelve-week maternity leave.

While not as commonly known by expecting mothers, long-term disability can also play a role in reducing the costs of pregnancy and birth-related time off.

Is Long-Term Disability Right For Your Leave?

If you have long-term disability coverage through your employer or a private policy, it may cover benefits such as:

  • Bed rest during pregnancy
  • Maternity leave after childbirth
  • Leave as a result of postpartum disorders

Beware The Elimination Period

One potential drawback to using long-term disability benefits for maternity leave is the policy's elimination period. This is the length of time you must wait before you can receive claim payments. Choosing a longer elimination period is a common way that consumers and employers keep long-term disability premiums affordable.

If your policy has an extended waiting period you must be prepared to go without income in the meantime.

Find Out How DarrasLaw Can Help You

It won't cost you anything to be sure your long-term disability claim is on the right track. Contact us anytime for a free consultation and policy analysis with DarrasLaw.