Does Short Term Disability Cover Maternity Leave: Short-Term Disability Benefits
This is probably not the first time you’ve heard of people taking advantage of their short-term disability benefits to cover the costs of pregnancy and maternity leave. It’s not uncommon, but whether or not you can handle it depends on your strategy.
Short-term disability policies that address maternity leave are becoming more common, says Bartolic. For example, maternity leave benefits may vary depending on whether the mother gave birth vaginally or via Caesarean section.
Some companies don’t include paid maternity leave in their short-term disability plan because they have a separate one for paid parental leave.
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Short-term disability insurance is what it sounds like.
When you become temporarily disabled due to illness or injury, short-term disability insurance pays a portion of your salary (with the exception of on-the-job injuries, which are covered by workers’ compensation insurance).
60 to 70 per cent of your pre-disability base salary is typically provided by a short-term disability insurance policy in the United States.
It’s estimated that these benefits last between three and six months according to the National Association of Insurance Commissioners (NAIC). It’s common for the monthly benefit amount on short-term disability insurance policies to be “capped.”
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According to the Insurance Information Institute, short-term disability insurance policies also have a time limit on how long you can receive benefits.
Employers’ benefit packages frequently include short-term disability insurance. Even though short-term individual insurance is an option, it’s far less common than group insurance.
What qualifies for short-term disability?
- Pregnancy
- Pregnancy complications
- Digestive disorders
- Back and joint disorders
- A non-work-related injury
- Recovery after surgery
- A short-term illness
|
Short-term Disability |
Long-term Disability |
|
| Average Time Benefits Can Be Used | Typically 3, 6, or 12 months | Typically 2, 5, or 10 years; can be for life on some policies |
| Elimination Period | 7-30 days; 14 days is most common | 90 days on most standard policies; insured can choose a longer elimination period to lower premiums |
| Benefit Amount | 40-70% of lost wages | 60-80% of lost wages |
| Average Cost of Coverage | 1-3% of your pre-tax salary | 1-3% of your pre-tax salary |
| Where to Get Coverage | Employer-sponsored plans, supplemental policies, or private coverage | Employer-sponsored plans, supplemental policies, or private coverage |
Five states—California, Hawaii, New Jersey, New York, and Rhode Island—and Puerto Rico sponsor disability income plans that require employers to participate.
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