Having a baby is exciting, but for many working soon-to-be moms, questions about their maternity leave and coverage are also important concerns. At Rosen Moss Snyder LLP, our long-term disability claim lawyers of Philadelphia, PA, understand the ins and outs of maternity disability, and we’re here to help answer all your questions!
Why Do Pregnant Women Need Disability Coverage?
Many things can go wrong during pregnancy that can make it difficult for a woman to fully continue her job or even work at all. Complications, such as an emergency C-section, can occur that cause women to have to take more time off work and recover.
Pregnancy disability can be either short-term or long-term, depending on the woman’s condition. Short-term disability policies are generally provided by the employer and cover up to one year. Long-term disability replaces part of the worker’s paycheck, usually up to 60%, and can cover longer than a year or even a lifetime. While some employers provide long-term disability plans, many don’t, and so workers can purchase their own plans from private companies.
What’s the Difference Between Disability and FMLA?
FMLA, the Family Medical Leave Act, is commonly used to cover time off from work after a woman has a baby. It’s different from a disability in that the requirements are less stringent, and the leave is unpaid. Disability insurance, however, covers only medical conditions that aren’t elective – so choosing to stay home after the baby is born won’t be covered under disability insurance.
How Can I Get Disability Insurance While Pregnant?
Most employers have certain forms to fill out and submit to insurance. You’ll often need documentation from your OB/GYN or primary care physician to apply for disability coverage while pregnant. There are some exclusions, however, and there may be a waiting period. If you have questions or don’t think that you’re getting the coverage you deserve, an attorney can help.
Contact Us Today!
If you’re struggling to get the disability coverage you need while pregnant or for any other illness, we can help! At Rosen Moss Snyder LLP, Philadelphia’s top ERISA disability attorneys, we’ve helped hundreds of people just like you successfully obtain disability coverage before and after any illness or ailment. Give us a call to schedule your FREE personalized consultation!