You can use Group Short Term Disability Insurance for maternity leave. This is only available though employers who offer it. Some states mandate that employers offer Group Short Term Disability, but most do not mandate it.
Unfortunately, private Short Term Disability can only be used for complications of pregnancy. Long Term Disability does pick up when complications cause loss of work beyond the policy's elimination period.
Many short term disability policies can be used for maternity leave, but not all.
First, the policy has to start prior to conception. Most policies exclude coverage for normal childbirth that occurs within the first nine months of the policy effective date.
Second, the policy has to cover recovery from childbirth. Many policies sold directly to individuals exclude this coverage. Policies sold through employer groups, and those paid by employers typically do cover childbirth.
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Unfortunately, private Short Term Disability can only be used for complications of pregnancy. Long Term Disability does pick up when complications cause loss of work beyond the policy's elimination period.
First, the policy has to start prior to conception. Most policies exclude coverage for normal childbirth that occurs within the first nine months of the policy effective date.
Second, the policy has to cover recovery from childbirth. Many policies sold directly to individuals exclude this coverage. Policies sold through employer groups, and those paid by employers typically do cover childbirth.