Pregnancy is a wonderful time in a woman’s life so it’s not pleasant to dwell too long on all the things which can go wrong.
However, complications in pregnancy can have serious consequences if they lead to weeks or months off work with no income.
A short-term disability insurance policy will provide peace of mind that you will be able to cover your expenses should your doctor unexpectedly give the order for lots of bed rest until the baby is due.
Can you get short term disability if you are already pregnant?
Pregnant women are typically facing a period of their life when they will be unable to earn an income, which usually starts some time before the baby is delivered and can continue on for many weeks after.
The time to apply for short-term disability is before you plan on getting pregnant, as all private carriers consider pregnancy to be a pre-existing condition.
What this means for soon-to-be mums is that the policy will not pay out on any claims during the first 12-months
Will insurance cover pregnancy if you are already pregnant?
As stated above, your policy will not pay out for the first 12 months due to your pregnancy being a pre-existing condition, but obtaining a policy now may still make sense.
Policies covering normal childbirth are the only ones which guarantee maternity leave income.
You could still be involved in an accident and you should also consider that it may not be your last pregnancy.
Getting coverage now will protect you when baby number two comes along.
Does AFLAC cover maternity leave?
Yes, AFLAC does pay disability benefits for childbirth, but the policy must be in force for ten months prior to the birth of the child. It’s worth mentioning that not all states enforce the 10-month period.
Maximum periods of disability coverage include six weeks for non-cesarean delivery and eight weeks for a cesarean.
Is there any insurance that covers pregnancy?
There are insurance policies which will cover a portion of your income due to pregnancy, but in most states, they must be in force for at least 10 months.
Check the guidelines of the state you live in.
Even with uncomplicated pregnancies, most women will need at least a few weeks off to bond with the new baby and recover from the rigors of giving birth.
To help you pay your expenses during this financially troubling, yet joyful period of your life, you can have a plan in place which will protect your income.
Also, check with your employer, as you may find that you have coverage as part of your benefits package.
Here’s Your Next Step
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