Short Term Disability Insurance for Maternity Leave

posted 2 years ago in Babies
Post # 2
Member
3531 posts
Sugar bee

My company paid for STD, so I did use it for maternity leave. I had Aflac which didn’t have a grace period for this particular policy, but I don’t think that’s too common. I believe you can purchase it independently from your work, but again, you’ll still most likely have a grace period. My suggestion would be to start saving up now and shop around for an independent policy.

FWIW there was a two week delay in getting my checks, and they amounted to about 60% of my pay and still required paying taxes on that payment. They also only cover 6 to 8 weeks depending on the type of delivery you have. It’s not exactly sufficient to live on for most people and still required me to work on my savings during my pregnancy.

Post # 3
Member
1387 posts
Bumble bee
  • Wedding: June 2014

I bought STD through my employer – I had to be on the policy one full year before getting pregant. I was paid roughly 60% of my income for 6 weeks. I took 12 weeks of fmla, though.

Post # 4
Member
9813 posts
Buzzing Beekeeper
  • Wedding: September 2013

I had it through work.  Standard is 6-8 weeks for maternity coverage (vaginal birth vs. c section)  but there is a waiting period so mine was 2 weeks long.  Which effectively meant I only got paid for 4 weeks and that was 60% of my paycheck up to $500/wk.  So while it was helpful it wasn’t exactly life changing or anything.  So read the policy and weigh the costs, most likely it will be worth it financially as long as you can get it ASAP (and not have to wait a year for coverage).

Post # 5
Member
3532 posts
Sugar bee
  • Wedding: April 29th, 2016

My workplace does have FMLA but not short term disability so we got our own policy through Northwestern Mutual when we set up our retirement accounts. 

Post # 6
Member
9123 posts
Buzzing Beekeeper
  • Wedding: October 2013

you can purchases STD through Aflac.  Most states require you to have it 10 months prior to birth, and a few require it 12 months prior.  They want to make sure you are not purchasing after baby is conceived.

(I’m not sure how that works if baby is early)

Post # 7
Member
9132 posts
Buzzing Beekeeper
  • Wedding: August 2013 - Rocky Mountains USA

Question to anyone who knows: will the STD still apply / pay out if you lose your job due to pregnancy? 

My job (wildlife biologist with a consulting firm) is heavily dependent on my ability to travel and worklong days in the field, and my company size and state mean I could easily be let go for being unable to perform my job duties because of an infant.  In that case, would I still get the STD benefits?? Thanks in advance

Post # 8
Member
1414 posts
Bumble bee

OP- are you sure you’d have a job? I can see STD not paying out if you’re let go while out on leave (since you don’t have FMLA).

lolot- are you asking if you can be fired for having a child? No.(Because it’s not like you could take a baby with you to work…) Can you be fired for taking more leave than you accrue (aka vacation) when recovering from delivery? Yes, since you’re not covered by FMLA. Also, if you have STD for lets say 6 weeks, but you’re fired after 2, I doubt you’d get the remainder. They may even make you give back the two weeks they paid out. I know at my firm, which had pretty generous guidlines (for the US) required that you pay back insurance premiums if you took FMLA then quit within a certain time frame after returning (ie. you only came back for a week or two after FMLA as to stay on the health insurance plan)

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