Affording First Trimester Bed Rest – Short Term Disability

A new pregnancy if full of excitement and anticipation; you look forward to that bouncing new baby and holding it in your arms. Many couples choose to wait until the second trimester to break the news to family and friends. There is a realization that the first few months of pregnancy can be risky. If a couple loses their baby during this time, they prefer to mourn privately.

Group Short Term Disability Group short term disability insurance is an employer paid option. Many companies choose to cover the premium expense for disability coverage on behalf of its employees. Employee benefits are an important consideration for attracting and retaining a quality workforce, and group coverage is one way for employers to set themselves apart.

Protection for Illnesses And at the same time these commercials have created the perception that accidents are the beginning and end of disability coverage. The reality is that disabling sicknesses occur almost four times as frequently as accidents. Most people when asked about the types of illnesses covered by short term disability would respond: cancer, heart attacks, strokes, etc. And they would be right. Any serious illness can stop you from being able to work for an extended period of time. Short term disability insurance will replace your income for up to two years – depending upon the policy options selected.

Sometimes a family just can’t afford having mom miss extra time from work. Rather than taking the bed rest she her doctor suggests, she returns to work hoping for the best. What a horrible dilemma that many women face: choosing between the health of her baby, and financial ruin. There must be a better way.

Individual Disability Coverage Employees without group coverage or separating from their employer might look to the individual market for coverage. The advantage to this approach is that employees are in charge of the process. The employee or income earner gets to choose the insurance carrier, agent, and policy configurations that best suit his or her needs. And coverage continues no matter where an individual chooses to work. The main drawbacks to individual policies are cost, benefits, and attainability. Individual policies often cost more than group policies because of the adverse selection factor noted above. Also the benefits and coverage may be more restrictive. For example, coverage options for normal pregnancy are very restrictive on individual policies. There is either no coverage at all, or exceptionally long waiting periods. Furthermore, underwriting requirements can be very harsh. Often only people with crystal clean medical records can qualify for coverage. Anyone who has experienced a medical event may find it very difficult to qualify for coverage.

Benefits for Normal Delivery Create Maternity Leave Pay Short term disability insurance pays a six week benefit for normal vaginal delivery, and an eight week benefit for normal c-section delivery. The income replacement benefit is a great way for women to create maternity leave pay, as the benefit for normal delivery is typically three to four times the annual premium.

Postpartum Disorders Coverage Sometimes postpartum disorders such as hemorrhaging will prompt your doctor to extend your maternity leave recovery time. Your income will continue to be replaced during this time as well.

Short Term Disability Creates Maternity Income This means that women planning a pregnancy can use short term disability insurance to create maternity leave income. And at no additional premium cost comes the added security of knowing that you are also covered if your doctor orders bed rest during your first trimester, or any other time during your pregnancy. Do yourself and your future pregnancy a huge favor. Purchase short term disability insurance before getting pregnant.

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