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.
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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.