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Can you collect disability insurance for pregnancy and birth if you don't plan to return to work? |
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Answer
Yes, for the period of time that you're UNABLE to work. Most short term disability policies pay a six week benefit for a vaginal delivery, and an eight week benefit for a c-section delivery, less the elimination period.
Coverage and policy language varies by state. Five states have statutory short term disability: California, Hawaii, New Jersey, New York, and Rhode Island.
CA Labor Code 2626. (a) An individual shall be deemed disabled on any day in which, because of his or her physical or mental condition, he or she is unable to perform his or her regular or customary work. (b) For purposes of this section, "disability" or "disabled" includes: (1) Illness or injury, whether physical or mental, including any illness or injury resulting from pregnancy, childbirth, or related medical condition.
First answer by Steveshorr. Last edit by Kheyknee. Contributor trust: 6 [recommend contributor]. Question popularity: 50 [recommend question]
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