Agent Owner, Gilmore Insurance Services, Marysville, Washington State
Will disability insurance cover maternity leave? It's going to depend on what your policy states in regard to payment of coverage where pregnancy is involved. There isn't a hard fast rule that pregnancy wouldn't be covered by a policy. It's going to depend on the company and the contents of the policy.
Disability Insurance may cover maternity leave if it is provided as a Group Short Term Disability plan and if the insured has met the criteria for qualifying for a claim related to maternity and childbirth.
Private Short Term Disability does not cover maternity leave, nor does Long Term Disability Insurance, whether purchased privately or provided in a group plan. However, complications of pregnancy and childbirth are usually covered.
Agent Owner, Gilmore Insurance Services, Marysville, Washington State
Let me follow up a bit here. I private disability WILL cover maternity if it is not in the exclusions page as excluded from the policy coverage. If it is not listed as excluded, it comes down to the definition of disability (or even partial disability) in the contract. Coverage is going to depend on the definition. Simply can you still work and what has your doctor told you? For example if your doctor decides you need bed rest because of your health situation, and your definition of disability in your policy meets your situation and is not excluded, you're fine, so to speak. Disability is very straight forward. The definition of what disability is and the page that cites exclusions are VERY important.
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Private Short Term Disability does not cover maternity leave, nor does Long Term Disability Insurance, whether purchased privately or provided in a group plan. However, complications of pregnancy and childbirth are usually covered.