Why do pregnant women need disability insurance? Because complications aren’t as uncommon as you might think – one in four pregnancies have complications that can cause mothers to take additional time off from work.
Short-term disability insurance policies are generally provided by employers and replace a portion of your paycheck if you can’t work due to illness or injury for a short period of time, up to one full year. The time between the disability diagnosis and when you get benefits is often just a few weeks. Short-term disability insurance policies may cover childbirth if there are complications involved.
Long-term disability insurance also replaces a portion of your paycheck — usually around 60% – if you’re unable to work but the benefit period can last years or even until retirement, and the waiting period can be three months to a full year. Some employers provide plans, but many people purchase personal plans through private insurance companies.
If you want to ensure that you’re covered in case of a disability resulting from complications from pregnancy, you would need to apply for long-term disability insurance before you start trying to get pregnant. Once you’re already pregnant, any policy you purchase won’t cover pregnancy or birth complications relating to that pregnancy.