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AnswerWhat about State Disability? State disability applies only to people who work in the state. Currently there are five states that mandate coverage: CA, HI, NJ, NY, and RI. If you live in one of these states you will likely get some benefit.

If you live in one of the 45 states that do not, you must apply for short term disability insurance preconception, and your maternity leave will be a covered benefit. Individual plans sold via work site marketing are the only policies that provide maternity leave coverage. It's easy to ask your employer for the option.

Your employer needs only to deduction the insurance premium from your pay, and forward your money to the insurance carrier once a month.

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Q: How do you collect disability when your work place doesn't provide it and you are out of work for 4 to 12 weeks due to Maternity leave?
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