Your source for the latest health, disability and Insurance news and tips

Planning to have a baby? Consider a short-term disability policy

Family leave time has been a hot topic for a while now, and as many of our readers know, the U.S. is the only country that doesn’t require employers to provide paid maternity leave.

Although California’s family leave laws are more generous than those of many states, employers aren’t required to provide paid leave for women (or men) to take time off for a new child.

That’s why if you are planning to have a child, it may be a wise idea to consider getting short-term disability insurance. It’s important to note that the coverage has to be in place before the child is conceived. Most plans need to be in place nine or 10 months prior to the birth. Otherwise, the pregnancy is considered a pre-existing condition, and therefore, not covered.

A short-term disability policy will help pay most of your income (generally two-thirds of your salary) while you’re taking time off before or after the baby is born. It will also help cover medical expenses. Since you never know whether there will be complications, this can be a substantial help at a time when you’re already dealing with the expenses that a new child brings.

If you already have a short-term disability policy, it may well cover pregnancy. It’s a good idea to check on that if you’re planning to have a child.

If you’re going to expand your family, it’s understandable that you may not want to add yet another expense to your budget. However, a short-term disability insurance policy can pay for itself and then some by providing you with income and covering medical care during and after your pregnancy. Perhaps more importantly, it can help you take the time you need to bond with your new little one.

Source: EverydayFamily, “Before You Conceive: Get Disability Insurance for Maternity Leave by Angela Heidt,” Angela Heidt

Our Promise To Our Clients:

  • FREE: Consultations and Insurance Case Evaluations Are Always Free
  • UNDERSTANDING: We understand how you feel. Our clients are often at the very bottom of their life, feeling emotionally, physically, and financially exhausted.
  • PASSIONATE PEOPLE: Our expert Attorneys and Dedicated Staff Love The Work We Do. We are Compassionate, Caring, and Results Driven.
  • UNPARALLELED RESOURCES: We will not be bullied or outspent by billion-dollar insurance companies or their army of lawyers. 
  • RESPECTED: We have fought and won the respect of every disability and Long-term care insurance carrier for our policyholders.
  • RESULTS: Frank Darras and his firms have recovered nearly a $1 billion dollars in wrongfully denied insurance benefits to date, and we put that proven track record to work for you and your family.

DarrasLaw is Americas' most honored and decorated disability litigation firm in the country. Mr. Darras has seen more, evaluated more, litigated more, and resolved more individual and group long term disability and long-term care cases than any other lawyer in the United States.

Request a Free, Confidential Case Review.
Skip to content