Help protect your family’s future. Enter your zip code to get your free quote today!

Get Your Free Quote

Does Short-Term Disability Insurance Cover Pregnancy?

The benefits included in a short-term disability insurance plan could potentially help cover costs while on maternity leave. 

If you become temporarily disabled (either because of an illness or injury) and are unable to work, short-term disability insurance pays a percentage of your salary for a short period of time. Paid maternity leave may be offered through employer-provided short-term disability insurance.

Child makes a wish on danelion

Maternity Leave

While on maternity leave, short-term disability insurance offered through an employer may provide:

  • Typically up to two-thirds of your salary for four to six weeks. The specific amount will vary depending on your employer and the STDI plan they offer.
  • Extended coverage after birth if recommended by your doctor

Coverage Terms And Restrictions

Many programs have an elimination period that may require you to be out of work up to a certain length of time (usually one to two weeks) before you can start to collect short-term disability benefits. Your employer may also require you to use a combination of sick leave, vacation, or personal days before your benefits kick in.

Because short-term disability isn’t mandated in any way, one of the first things you should do when you become pregnant is to confirm what your insurance program’s process and pay conditions are.

Each employer program has its own rules for receiving maternity leave benefits. If your employer does not offer it as an employer or employee paid benefit, or you feel your employer coverage isn't sufficient to meets your needs, check with your state disability program to find out what it offers in terms of short-term disability benefits for pregnancy, and what other options you may have.

Keep in mind, not every state allows employees to use STDI benefits for maternity leave. Talk to your company's HR department or benefits manager to learn more.

Recommended Reading

If you're starting a family, life insurance can help ensure your dependents are financially cared for if tragedy strikes. Read through some of the guides below to learn more.

*Applications for insurance may be subject to acceptance by insurer. Rates and coverage amounts will depend upon the carrier selected.

Help protect your family’s future. Enter your zip code to get your free quote today!

Get Your Free Quote

Related Information

Purchasing Life Insurance in Ohio

Find out what you can expect when buying a life insurance policy in Ohio.

Read More

Life Insurance vs. Annuity Death Benefits

Life insurance and annuities operate differently. Compare the two below and decide which is the best option for you and your beneficiaries.

Read More

Looking for Affordable Life Insurance? Consider Term Life

Term life insurance is usually a more affordable option than a permanent or whole life policy. Find out more in this guide.

Read More

Life Insurance Companies

Choosing a life insurance company can be difficult. A licensed agent can help.

Read More

How Do Term Life Insurance Payouts Work?

Generally, there are 3 main steps beneficiaries must take to receive a life insurance payout: file a death claim, provide proof of death and wait for approval.

Read More

What is Life Insurance?

What is life insurance and how does it help families in the event of your death? It can help pay for the cost of funeral expenses, lost wages, debts, and more.

Read More

Why Get Life Insurance?

Life insurance can help you protect your loved ones financially in the event of your death. Learn more about why it matters.

Read More

The Difference Between Term and Whole Life Insurance

Term and whole life insurance are two of the most popular kinds of life insurance policies. Read on to learn how they work.

Read More

Why Have a Life Insurance Policy?

Find out why it is important for you to have life insurance with these 7 simple reasons. Help protect your family from financial instability after you're gone.

Read More