Short term disability policy for maternity… anyone?

posted 2 years ago in TTC
Post # 2
Member
1349 posts
Bumble bee
  • Wedding: December 2012

SaltedCaramel:  I looked into this before becoming pregnant.  My understanding (but I could be wrong) is that two years ago, there was some kind of act or law passed to where this is no longer really a thing if you didn’t already have it.  I tried going through Aflac but I would need to recruit a bunch of co-workers to sign up as well.  

Post # 3
Member
6273 posts
Bee Keeper
  • Wedding: October 2013

i know aflac covers this but you have to have it for at least 10 months before it can go into effect, so you would need to purchase the policy before getting pregnant.

Post # 4
Member
484 posts
Helper bee
  • Wedding: September 2012

I have STD through Aflac, and yes, it has to be offered through your employer.  Not sure why – all other Aflac policies can be purchased directly through them, but STD has to be offered through your employer, and I believe they need at least 3 people in the company to be signed up for a policy to do it.  And a previous poster was correct that you have to be signed up for at least 10 months before giving birth.  And you can’t sign up at any time throughout the year, you have to sign up during the enrollment time, which for my work is Nov.  I had planned on TTC this August, so I signed up for STD last November because I knew signing up this Nov would be too late (assuming I’m able to get pregnant pretty quick).  If you get it through Aflac, make sure you sign up plenty early because for example, if you signed up in January, got pregnant in February, but gave birth early (like in October), you wouldn’t be able to use STD for your maternity leave.  You HAVE to be signed up for at least 10 months to the day, no exceptions. 

Sorry I got kind of off-topic there, just thought I’d share some info in case anyone else was curious.  Sorry I’m not more helpful in your situation!

Post # 6
Member
455 posts
Helper bee
  • Wedding: June 2011

I don’t have any specific help on this one, but what about contacting an insurance agent?  They would probably be able to help you through the process and it would be easier than calling around to a bunch of different companies.

Post # 8
Member
119 posts
Blushing bee
  • Wedding: October 2013

I have aflac through my work, we are a smaller sized salon only about 7 people that work there, you only need 3 co workers in order to sign up, and once your signed up though your job you can put yourself though the individual bill and not through your payroll.  I signed up for the hospital sickness plan and short term disability.  Your aflac rep can custom your plan for maternity, mine did, what she did was she changed the hospital to 1,000 for the first night stay and she changed my STP to 7 day ilness when its normally 14 (meaning you have to have an illness for 14 days for the STP to kick in, the 7 day charges it to only a week and its like 30 cents extra a month).

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