(Closed) Short-term disability insurance coverage for maternity leave? (pre-TTC)

posted 4 years ago in Pregnancy
Post # 2
Member
811 posts
Busy bee
  • Wedding: September 2010

My short-term disability insurance does not count anything to do with maternity as a reason for paid leave. I would double check all the exclusions to be sure that you’re covered. Most insurance policies would be astronomically expensive if they covered your full wages. I’m covered about 60% as well. 

Post # 3
Member
3683 posts
Sugar bee

Correction, many, if not most, short term disability policies cover maternity leave. The usual is 6 weeks for vaginal, 8 weeks for c section. I did not take out additional, and have no paid leave with work. I’m just storing up as much PTO as possible as well as saving to off set the costs. I would get a quote on the additional to see if it’s worth it and check your companies maternity leave policy. 

P.S. Some policies require more than a month of not being pregnant before they will cover. I would read your policy and make sure you know exactly when you can get pregnant and be covered.

Post # 5
Member
4014 posts
Honey bee
  • Wedding: October 2013

I have a separate short term disability plan through AFLAC that covers 12 weeks 80% pay I believe. I’ve had it since we got married in 2013 and we started TTC 6 months ago. I can use it concurrently with the 12 weeks I get off from work. Though it’s unpaid leave through work, i can use all of my sick leave/annual leave concurrently with the AFLAC plan. 

Post # 6
Member
288 posts
Helper bee
  • Wedding: September 2014

misschickpea:  Thats interesting because I contacted AFLAC and they told me they don’t sell to individuals anymore for the Hospital Indemnity plan… It has to be a group rate through your employer..

Post # 7
Member
4014 posts
Honey bee
  • Wedding: October 2013

KLK2014:  I believe that is true. I do have it through my employer as they don’t offer any kind of short term disability. Since it is still separate from what my work offers maternity wise, I can still use it concurrently with any saved leave. I have the Hospital Indemnity plan as well.

  • This reply was modified 4 years, 1 month ago by  misschickpea.
Post # 8
Member
643 posts
Busy bee
  • Wedding: March 2015

MrsEdamame:  It worked for me when I went on maternity leave after having my twins. I was able to pay my bills and because I was home with the babies I was able to get by, I had 6 weeks off 🙂

Post # 9
Member
9811 posts
Buzzing Beekeeper
  • Wedding: September 2013

I have it free through work and it was 60% coverage.  I noticed I didn’t really miss that 40% though as the checks came directly from the insurance company and they don’t take out things like retirement or other things normal taken out of your paycheck.  So I got more than I expected to get, let me put it that way.

Post # 10
Member
1868 posts
Buzzing bee
  • Wedding: June 2012

As with any STD and LTD coverage, make sure you are certain what you will be  getting so you can plan accordingly. I pay into an STD plan with my company but the coverage is not really what I expected. I did recieve 6 weeks pay but 2 weeks of that was considered waiting period and they pay came from 2 weeks vacation that I had to claim. The additional 4 weeks was paid at 60% of my net pay. I also had a ceserean but my plan covered ceserean and vaginal deliveries the same.

I thought that I would be getting more money from the STD coverage than I got. It was explained to me differently before I had the baby and then again after.

Post # 11
Member
5956 posts
Bee Keeper
  • Wedding: May 2014

A lot of women use their vacation time to fill in the gap.

Post # 12
Member
9811 posts
Buzzing Beekeeper
  • Wedding: September 2013

SaraP2012:  Yes that was the same for me. 6 weeks but first 2 weeks are a waiting period and they used my vacation or sick for that.  So only 4 weeks paid.  But mine was 8 weeks for a csection so I’m guessing I would have gotten 6 weeks pay on that.

They never explained the company paid directly and that it was net pay so I was just thinking 60% of take home pay and that is probably why I got more than I expected! ha

Post # 13
Member
3829 posts
Honey bee
  • Wedding: November 1999

i literally cannot fathom only being allowed 6-8 weeks off after having a baby.  (i’m Canadian so we get 1 yr covered by EI at 50% of our wages, some employers top it up as well). 

Post # 14
Member
9811 posts
Buzzing Beekeeper
  • Wedding: September 2013

Swizzle:  yeah, it’s TERRIBLE!!

Post # 15
Member
1868 posts
Buzzing bee
  • Wedding: June 2012

Swizzle:  If I move to Canada now, will I be covered for this pregnancy or are there pre exisiting stipulations? lol

The topic ‘Short-term disability insurance coverage for maternity leave? (pre-TTC)’ is closed to new replies.

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