Many expectant parents use short-term disability insurance after they give birth. The policy typically replaces six to eight weeks of income while the new parent recovers from childbirth. To use short-term disability benefits for pregnancy, you must purchase a policy before you become pregnant.
Jennifer Schell, CAS® Financial Writer, Certified Annuity Specialist® Jennifer Schell is a professional writer focused on demystifying annuities and other financial topics including banking, financial advising and insurance. She is proud to be a member of the National Association for Fixed Annuities (NAFA) as well as the National Association of Insurance and Financial Advisors (NAIFA). Read More
Savannah Pittle Senior Financial Editor Savannah Pittle is an accomplished writer, editor and content marketer. She joined Annuity.org as a financial editor in 2021 and uses her passion for educating readers on complex topics to guide visitors toward the path of financial literacy. Read More
Daniel J. Adams, MBA, CFP®, CLU® Founder and President of CEG Life Insurance Services As the founder of CEG Life Insurance Services, Daniel J. Adams has extensive experience with life and health insurance products. Daniel assists clients in building a secure financial future as a Certified Financial Planner™ professional and independent insurance agent. He also trains new agents and advises other financial professionals. Read More
Fact Checked Fact CheckedAnnuity.org partners with outside experts to ensure we are providing accurate financial content.
These reviewers are industry leaders and professional writers who regularly contribute to reputable publications such as the Wall Street Journal and The New York Times.
Our expert reviewers review our articles and recommend changes to ensure we are upholding our high standards for accuracy and professionalism.
Our expert reviewers hold advanced degrees and certifications and have years of experience with personal finances, retirement planning and investments.
How to Cite Annuity.org's ArticleAPA Annuity.org (2024, July 29). Short-Term Disability for Pregnancy. Retrieved September 11, 2024, from https://www.annuity.org/disability-insurance/types/short-term/pregnancy/
MLA "Short-Term Disability for Pregnancy." Annuity.org, 29 Jul 2024, https://www.annuity.org/disability-insurance/types/short-term/pregnancy/.
Chicago Annuity.org. "Short-Term Disability for Pregnancy." Last modified July 29, 2024. https://www.annuity.org/disability-insurance/types/short-term/pregnancy/.
Why Trust Annuity.org Why You Can Trust Annuity.orgContent created by Annuity.org and sponsored by our affiliates.
Annuity.org has been providing consumers with the tools and knowledge needed to confidently make financial decisions since 2013.
We accept limited advertising on our site to help fund our work, including the use of affiliate links. We may earn a commission when you click on the links at no additional cost to you.
The content and tools created by Annuity.org adhere to strict editorial guidelines to ensure quality and transparency.
Expectant parents can use short-term disability insurance to cover their paychecks while they take time off of work during or after pregnancy. Disability insurance replaces a portion of your income if you’re unable to work due to an illness or injury.
Because short-term disability insurance is designed to cover conditions that resolve within one year, these plans can cover some complications that can result from pregnancy or childbirth.
If an employer offers you disability coverage, normal pregnancy may be considered a qualifying disability to receive benefits. In these cases, employers may use the short-term disability plan instead of a clearly defined maternity leave policy.
If you plan to become pregnant in the future, short-term disability insurance is an important option to consider to replace your income following childbirth and in the event of pregnancy complications.
In most cases, short-term disability benefits kick in after childbirth, so your body can have time to recover.
“The most common usage of short-term disability insurance is after the birth and gives a six-week benefit period,” said insurance agent and president of Surf Financial Brokers Chris Castanes, adding that births requiring a cesarean section usually get an eight-week benefit period.
Disability benefits may also cover pregnancy complications. These include physical conditions like preeclampsia or mental health issues, like postpartum depression. A long-term disability plan may also cover some of these conditions; however, the waiting period to receive benefits for those policies can be between three and six months.
Expectant parents often use short-term disability insurance in conjunction with unpaid family leave to take time off work before and after their child is born. The federal government’s Family and Medical Leave Act (FMLA) requires certain employers to offer up to 12 weeks of unpaid, job-protected leave each year.
To qualify for FMLA leave, employees must have worked for their employer for at least 1,250 hours over at least 12 months. Their employer must have 50 or more employees within a 75-mile radius.
Additionally, employees can only use FMLA leave for one of the following reasons:
FMLA leave differs from short-term disability insurance because it does not cover any lost income while the person isn’t working. The regulations outlined in FMLA simply mean that your employer cannot take disciplinary action against you or terminate your employment for taking those 12 weeks off.
It’s important to note that if you plan to use short-term disability benefits for pregnancy and childbirth, you must apply and purchase a policy before you become pregnant. If you purchase coverage while pregnant, your pregnancy is considered a pre-existing condition and you will likely be denied benefits for pregnancy complications or childbirth recovery.
When you apply, your insurer will ask you some questions about your age and health status. These characteristics factor into whether you’ll be approved for a policy and how much your premiums will cost.
Once you purchase your policy, you won’t receive benefits right away. Most policies have a waiting period of 12 months before you can file a claim for disability benefits.
If you’re unable to access paid maternity leave from your employer and you can’t get short-term disability insurance, there are other options for funding the time off work after you have a child.
First, you might upgrade your health insurance coverage to a more comprehensive plan before you give birth. The health care costs of pregnancy and childbirth can quickly add up, and having better health coverage can resolve some of the financial strain.
Another option is to divert some of your savings to cover living expenses while you’re out of work. You could consider reducing your retirement plan contributions before you take off work to build up some more accessible short-term savings.
We may be compensated if you click this adOur free tool can help you find an advisor who serves your needs. Get matched with a financial advisor who fits your unique criteria. Once you’ve been matched, consult for free with no obligation.
Please seek the advice of a qualified professional before making financial decisions. Last Modified: July 29, 2024Looking for a Financial Advisor?