Pennsylvania Disability Insurance and Maternity Advice


Many women experience medical complications during pregnancy, which is why it is quite common for a doctor to order bed rest, or request a work stoppage prior to delivery. Many couples may find it hard to afford an unpaid maternity leave. Pennsylvania short-term disability insurance can be an important purchase for any woman who works and is planning to bear children. Any additional unpaid time away from the job before the baby arrives can have devastating financial consequences.

Purchasing your policy before conception will make making payments easier, so that after a normal childbirth the added payments will allow you to enjoy your time bonding with your newborn. Any complications of pregnancy that occur before delivery or any postpartum problems may also likely be covered. Once you are already expecting, it will be too late, and the window of opportunity to buy a policy will be closed.

Short-term disability in PA can provide much needed maternity leave income. Your elimination period must be satisfied before these benefits are paid. Most policies designed to cover childbirth come with a one or two week elimination period. Policies with higher monthly benefit amounts will be coupled with the two-week elimination period.

Many policies include nine-month exclusions for normal pregnancy and childbirth. It is therefore suggested that you purchase your policy a few months before conception to avoid delivering inside the exclusion period. Remember that not every pregnancy lasts exactly nine months. In fact, many women deliver preterm and it is possible to conceive after your policy effective date yet still give birth inside the exclusion period.

The cash payments made for normal deliveries are often several multiples of what you pay in premiums in advance of your delivery date. Don’t put these benefit payouts in jeopardy by starting your policy too late. Allowing a cushion of several months is advised. Disability insurance in Pennsylvania is a great way to make up for lost income whenever a baby is on the horizon.