Disability Insurance

Will Short-Term Disability Insurance Cover My Maternity Leave?

mother holding baby
Written by Brandon

If you are pondering on your pregnancy or you are either thinking of becoming pregnant. You might need to have a second thought on the kind of insurance policy that will help you with what you want. There are some short term disability insurance plans that will help you with your maternity leave.

We also have a supplemental insurance plan that is at your disposal to cover for loss of income after child delivery. If you are in search of the type of supplemental maternity leave insurance plan for your pregnancy. There are countless options you might consider.

Supplemental Maternity Leave Insurance

This maternity leave insurance is whatever kind of insurance that can complement your wages or assist in coverage for expenses that spring up during pregnancy and after delivery. There is nothing like a stand-alone supplemental maternity insurance plan.

Rather, the term ‘supplemental maternal leave insurance’ simply refers to all add-ons or extra insurance options you can use strategically to complement all your maternity needs. There are two types of supplemental maternity leave you can acquire to assist with the costs that are related to maternity leave and child delivery and they are:

  • Short term disability insurance:

     This helps pregnant women replace income while they were impaired to work as a result of their pregnancy.

  • Hospital Indemnity Insurance:

     This covers the cost that is related to admission to the hospital as a result of labour and delivery, or anything that will lead to hospital extension.

Finding Maternity Benefits after Conception

If you have to wait till you become pregnant, you may not have that opportunity to sign up for some short term insurance plan. For instance, short term disabilities have some waiting periods. As long as you avail yourself to enroll in a health insurance policy that has good premium benefits for pregnant women during the time you enroll, you will gain an advantage from coverage under the policy.

Unfortunately, if you miss the period of enrolment with your employer, you won’t be able to change your health insurance plan when you become pregnant. Most times pregnancy is not acceptable in short term insurance. However, they can be some exceptions. For instance, in New York, pregnancy is one of the cases that qualify you for short term disability insurance. 

In some countries, being pregnant is likely not to qualify you for an enrolment period, but having a child (baby) does. Although, there is no supplemental maternity insurance plan that will cover all your needs, with minor planning and research it is easy to combine supplemental insurance plans to cover your maternity leave. 

This combination of maternity health insurance can become a valuable strategy to assist women with pregnancies through the fiscal challenges of maternity leave. In the year 2017, in the U.S. only 15% of workers gain access to be able to pay their family leave benefits. If you do not have paid families leave benefits that will cover for your maternity leave through your short term disability insurance. This might become an obstacle for you to bond with your baby. 

Verify your employer plan

There are numerous pieces of information you need to gather about short term insurance policy:

  • Elimination Period: This is the duration you will stay away from work before you start enjoying your benefits. Some plans start paying immediately while others make payments when you stay away from work for several days. You can make use of your sick or vacation day.
  • Benefit Period: This is the time it will take for you to claim payments while you are not working.
  • Benefit Amount: This is the amount you will get in accordance with a percentage of your income or wages. Some of these plans cover nearly 100% of your total income, but most of them do cover only a percentage.

Short term disability plans pay weekly premium benefits when you are physically impaired due to your pregnancy following the period of elimination. You may decide to take a maternity leave of 3 weeks to create that motherly bond with your baby. 

If there is a complication during your child’s delivery, then you will take eight weeks to leave if an operation was performed on you. Your benefits may be paid based on your child’s delivery whether the medical doctor has to place you on bed rest or not. 

A financial advisor can assist you to build or prepare an insurance cover for your maternity leave. The week and months after delivering your baby, it is a time of great change. You may also have some questions about your financial state.

Impact of Short Term Disability Insurance on Maternity Leave

Some employers can offer you insurance plans that help you with your financial security while you are away from work. There is variability in short term insurance plans, but they offer 50-100% of your wages for six weeks after you have put to bed and longer duration if there are complications. Several policies have their different requirements that is why it is essential to know how far you have gone before you embark on your maternity leave.

How long is Short Term Insurance Maternity Leave?

A country like the US does not have a standard duration for maternity leave. It all depends on the federal or state-mandated act by your employer or your choice. Here are some facts about insurance cover for maternity leave in the US:

· Your job is secured by a federal body while you stay away from work based on medical or family leave. This takes up to 12 months. 

· The time duration of payment varies in each state. For example, in New York, you can use up to 10 weeks of leave and you will get 55% of your average weekly income.

· The United States doesn’t assure paid maternity leave, employers may opt to provide paid leave if they want.


Maternity leave is the period that a mother takes to stay away from work after the birth of her baby. Many firms also have policies for even fathers, for them to also take paternity leave. Maternity leave is often created from various benefits such as short term disability, personal days, sick, and vacation, etc.  

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