(Closed) disability insurance

posted 8 years ago in Babies
Post # 3
Member
1801 posts
Buzzing bee
  • Wedding: June 2010

I’ve been looking into types of maternity insurance rather than disability insurance because it seems cheaper in the plans I’ve looked at.  But I’m a fledgling at this whole thing, so I can’t offer any advice. 

Post # 4
Member
900 posts
Busy bee
  • Wedding: August 2010

Thanks for the reminder.  I totally intend to do this through my work.  I don’t think we have to pay though…just enroll.  Either way it’s worth it.  It counts for time off before labor if needed too.

Post # 5
Member
1944 posts
Buzzing bee
  • Wedding: June 2009

Are you meaning a form of short term disability? This would cover a percentage of your pay while on leave. This is completely seperate from any medical insurance regarding the pregnancy.

Anyways, if so it is a good thing to have. Especially if offered through your employer as it is much cheaper. It basicially will cover your loss of pay (mine is 60% of my base/weekly) while on leave. I beleive we get up to 26 weeks a year. There are 7 day and 14 day wait meaning it does not start paying until after one of those waiting periods. I have it just for peace of mind. I am a nurse and work the floor and if I got in a car accident and broke my leg or something major, I would not be able to work so this would help with the loss of income. I think it is totally worth it and have seen people use it for their pregnancy leave and I intend to as well. But yes most plans are voided if you are already pregnant at time of enrollment or you must not give birth in the first 9 mths.

The topic ‘disability insurance’ is closed to new replies.

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