In many cases, a woman can receive short-term disability for pregnancy; however, it depends on the insurance policy. To ensure that you qualify for benefits while pregnant, it’s important that you read your insurance contract, as well as any fine print about pre-existing conditions. If pregnancy is not included in the policy, you may need to purchase additional coverage during this time.
Most policies cite certain eligibility factors for collecting short-term disability benefits, including limitations on pregnancy. These factors may include:
- The date you became pregnant. Some policies may not pay for pregnancy short-term disability if you were already pregnant when you applied for insurance.
- The length of time you’ve had your policy. Some policies cite a specific amount of time a woman must have had insurance before the onset of pregnancy.
Because disability insurance is meant to provide financial support if you’re unable to work due to an injury, medical condition, or illness, many insurance companies don’t include a healthy pregnancy in with these medical issues. However, most policies cover the last four weeks of a woman’s pregnancy and the first six weeks after childbirth.
Other potential reasons for pregnancy-related disability benefits include:
- If your doctor provides a medical reason for your inability to work, insurance companies may pay disability if you’re put on bed rest or in the hospital.
- You may be eligible for benefits if you suffer complications while pregnant or during childbirth.
- If you develop a critical medical condition while pregnant or must recover from a cesarean section, your disability benefits may be extended.
Contact Marcus Vaden Law
If you’re pregnant and need help getting short-term disability benefits, contact Marcus Vaden Law. We have years of experience fighting to help women and their families get the financial support they need and deserve. If you’ve been denied benefits or need assistance collecting on your policy, contact our office for a free consultation.