Denied Claims:<\/strong>\u00a0Claims that occurred before the policy effective date or are otherwise noted as excluded from the policy in the policy language. This category includes pre-existing pregnancy\/childbirth, illness, injury, or normal childbirth occurring within nine months of the policy’s effective date.<\/p>\n\n\n\nFive states currently have a mandatory state disability program covering women who register in time: California, Hawaii, New Jersey, New York, Rhode Island, and Washington State. Although these programs are mandatory, it’s still rare for women to qualify because most do not know about the programs until after conception.<\/p>\n\n\n\n
Deciding to Purchase Short-Term Disability Insurance<\/h3>\n\n\n\n
Even if you are pregnant, still consider purchasing a short-term disability policy for future pregnancies. This policy can also cover you for things like a major accident or illness that’s not associated with your pregnancy.<\/p>\n\n\n\n
Consider a voluntary policy through your employer. This type of policy covers what is considered a “normal” birth. Normal delivery is defined as a vaginal or cesarean birth. These policies also have an elimination period. The elimination period is how long you will wait to receive your first benefit check. Typically, this is one, two, four, or six weeks after your claim is approved. The longer your elimination period, the lower your monthly premium will be.<\/p>\n\n\n\n
Most employers who offer a voluntary policy have an open enrollment period during the Fall. Another benefit of this type of plan is that it is portable. You can take the policy with you if you leave your employer.<\/p>\n\n\n\n
There are several benefits to having a short-term disability policy when having a baby. Timing is always key to getting the most benefit from your policy. Remember even if you are already pregnant, you can still qualify for the policy. You may not be able to use the policy for this pregnancy, but an illness, accident, or future pregnancy would be covered after the waiting period.<\/p>\n\n\n\n
Although normal childbirth is not covered under long-term disability<\/a>, if you experience complications during pregnancy or after birth, you may still be eligible for long-term disability benefits.<\/p>\n","protected":false},"excerpt":{"rendered":"Are you wondering how short-term disability insurance can aid pregnant individuals during maternity leave? This post sheds light on the key aspects of pregnancy and short-term disability claims, offering valuable insights to help you secure the financial protection you deserve. What You Need to Know About Short-Term Disability Benefits And Pregnancy Having a short-term disability …<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":2224,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"_links":{"self":[{"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/pages\/1670"}],"collection":[{"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/comments?post=1670"}],"version-history":[{"count":0,"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/pages\/1670\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/pages\/2224"}],"wp:attachment":[{"href":"https:\/\/www.nickortizlaw.com\/wp-json\/wp\/v2\/media?parent=1670"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}