Post # 1
Did anyone get private short term disability insurance for maternity leave? (Not through your employer.) I feel like I’ve seen it mentioned around here before, but haven’t seen any specific details. I have been looking into it and coming up empty. Mutual of Omaha’s policies don’t cover maternity (only unexpected illness), MetLife doesn’t do individual STD and suggested calling Aflac, and Aflac doesn’t do individual STD.
I am leaving my job (where I have STD coverage) and starting a new one where it’s not offered. Planning to TTC in a few months. I was thinking it might be worth seeing what it would look like to just buy the coverage, but didn’t expect it to be so difficult. If STD is not an option then obviously we’ll just save money and my leave will be unpaid…. but thought I’d ask around first.
Any thoughts? I am in the US, in Massachusetts, if that matters.
Post # 2
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
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
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 # 5
Weird, that’s annoying.
Yup, I was trying to purchase a policy now (or very soon) since I’d heard that 10 month thing. Unfortunately when I called Aflac, they said they don’t do individual coverage.
Thanks for all the info! I guess it’s reassuring that others have heard or encountered some of the same roadblocks that I have.
Post # 6
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 # 7
Hmm, like some sort of unaffiliated insurance agent? I hadn’t realized those exist… that would certainly be helpful. I will do some googling.
Post # 8
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).
Post # 9
Interesting, thanks for the info.