Does Long Term Disability Insurance Cover Maternity Leave?

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    Ted Ratliff
    Owner, SFS Associates,
    It might depending on the policy and how it is set up. Most Long Term disability plans have a lengthy elimination period f 6 months to a year before the plan kicks in.  Generally, you are better off in this case to have a short term disability plan unless you become disabled for a long period due to complications.  Also, check your exclusions in the plan.
    Answered on August 29, 2013
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