Most individual (non-group/non-employer sponsored) disability policies do not cover routine maternity claims, but there are still companies out there who offer it. What is offered can depend by state. So the best way to find out your options is to contact a local insurance broker who works with many different carriers, who can provide you with options and advice. Brokers can be found by going to the National Association of Health Underwriters (www.NAHU.org), the Independent Insurance Agents & Brokers of America (www.iiaba.org), or similar non-profit organizations.
If you are an employer, you'll be happy to know that any group disability policy written since 1978 and with a group size of at least 15 employees requires that pregnancies be treated the same way as an illness is treated under the policy. Many State laws lower the group size for this requirement. Even so, most group disability insurance carriers either automatically extend this coverage to groups less than 15 employees, or make it available by choice of the employer at the time the policy is written, so even smaller groups may also benefit include maternity disability coverage.
Even if your policy does include disability for pregnancies, you must pay close attention to the waiting period and the period of benefits. The waiting period is the time frame in which a person must be disabled and no benefits are payable. This could be days, weeks or even months. For example, if the policy has a 7 day waiting period then for the 1st 7 days of disability, no benefits would be payable until the 8th day on. There is a standard recovery time for not only delivery but any disabling condition & most insurance companies will consider benefits until the 6 week postpartum date for a normal delivery and 8 weeks postpartum for a c-section. Make sure the that the period of benefits (the maximum time period a person could receive benefits) would meet exceed the time frame you would need disability income.
All state assisted programs offer a maternity plan.
There are a number of UK companies that offer life and disability insurance. Some of those companies include 'Prudential', 'Aviva', 'Nationwide' and 'Sun Life'.
There are many insurance companies offering maternity health benefits. Some of these include AmeriPlan as well as eHealth Insurance. Both offer maternity health benefits.
There are many companies that offer disability income insurance. These include MetLife, MassMutual, Mutual of Omaha, and State Farm kinds of insurances.
MetLife offers disability insurance for individuals. It is best to buy disability insurance when one is young, because insurance gets more expensive when one gets older.
Minnesota does not have state mandated short term disability. But private coverage is readily available for pregnancy and maternity leave.
There are some insurance companies that offer a 9 month waiting period for short term disability insurance. You want to make sure to apply well in advance of your conception date anyway, just in case your pregnancy does not go full term.
If you are currently unable to work or disabled, you may not be able to qualify for a regular disability insurance policy. There are few insurance companies that can offer substandard disability insurance, or graded benefit disability insurance. You should discuss this with an experienced agent, before you get the surgery.
Short term disability will cover your maternity leave if you purchased a policy before getting pregnant. Social security disability will not cover maternity leave, nor will most long term disability policies.
Most of your main insurance companies such as Blue Cross Blue Shield as well as State Health Care have maternity coverage. Some vary as to rather or not they cover the pregnancy if you obtain the coverage after becoming pregnant.
Maternity health insurance is not a stand alone insurance. It is usually included in a package provided by your insurance plan. Blue Cross and Blue Shield and Humana offer maternity and post natal insurance plans. You also need to check with your current provider, because insurance changes from state to state sometimes.
Unemployment is for people who lose their jobs. Disability insurance is for people who can't work due to a medical reason.Your best bet is to apply for short term disability insurance before getting pregnant. Your maternity leave for normal delivery will be a covered benefit.