Post # 1
I can get aflac through my work which will pay me for maternity leave (otherwise unpaid) and for any hospitalizations or childbirth. The challenge- there is an exclusion if someone delivers before 270 days. We are thinking of TTC next cycle, and in terms of health insurance and DH’s job, the sooner the better on getting pregnant (we will lose some benefits in a year). If I get pregnant first cycle, I am fine as long as I don’t deliver more than 3 weeks early. If I had complications but didn’t deliver, I would still get my benefits. I am 33, currently on paragard, with regular periods. I have been charting and no problems there, except my luteal phase hovers around 10 days. My mom got pregnant with me and all my siblings within 3 months, though she was in her 20s. I have an issue that might cause miscarriages, but might not.
1. How long did it take you to get pregnant?
2. If you have aflac, have you been happy with it?
3. What would you do in my shoes?
Post # 3
what is the reason for the exclusion? I know there have been cases against the insurance companies won by women who went into early delivery. They used charting to prove that they were pregnant AFTER the insurance purchase/change-over.
Post # 4
- Wedding: November 2013 - St. Augustine Beach, FL
Wait for two more cycles just to be safe. It’s better to be covered by the short term disability than arguing for it should you deliver early or require bedrest.
As for the short luteal phase, a lot of people swear by taking supplements of Vitamin B6 during your cycle.
Post # 5
I believe the exclusion is to keep from having to pay for women who are already pregnant.
Post # 6
@guitargirl: I wouldn’t worry about it too much. If it was me, I would start now. It may take a few months anyways. but I’d double check into the reason and make sure you can prove you got pregnant when you did, in case something does happen.
Post # 7
I don’t have Aflac, but several of my co-workers did when they had their babies. They were disappointed in what they got from Aflac. I can’t remember specifics- but they both felt misled by their policies. These are ladies with Master’s degrees- so not ignorant.
But to answer your other qusetion- I got pregnant with each of my two pregnancies the very first try.
Post # 8
Yes, the exclusion is because they don’t want to cover women who already are pregnant, they want to get as many months premiums out of people before they have to start shelling out all that money, which makes sense. If I were you, I would get Aflac if you could cancel a month or two in with no penalty except loss of those 2 months premiums in case you do get pregnant right away. I’m recently pregnant & have just realized that your 9 month pregnancy term starts on the day of your last period, so even though we conceived 23 days ago, I considered 5 weeks and 2 days pregnant, at least that’s my understanding according to the justmommies online pregnancy calender. If that’s the case then you would have to be really careful to get the insurance now and hold off getting pregnant for 2 months, though it did take me 4 months to get pregnant and this is my first.
Post # 9
I have Aflac short term disability and hospitalization and I was told you can’t conceive during the first month of coverage, he said it’s not when you give birth that’s the issue. So our coverage became effective December and of course Darling Husband was out of town on my fertile days in January and we were both sick in February but I got my BFP in March so we are fine. We made sure to be careful in December to avoid conceiving then.
If you get a raise or do anything that will affect your short term disability coverage the waiting period will again apply. So I got a raise in February and wasn’t able to change my coverage since we conceived in March. So I’ll get 60% of my old salary for my short term disability.