Multiples

Supplemental Insurance

Is anyone looking into supplemental insurance to cover time out of work? Since I'm having twins and I dont know (obviously) how long I will be able to work for, or if I will have any complications that take me out of work. My OB hasn't mentioned anything about working or not working until my C-section date at around 37-38 weeks. We don't have maternity leave at my work, we only have Short Term Disability and FMLA.
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Re: Supplemental Insurance

  • If you end up on bed rest, you should be able to tap your STD coverage. Not sure if you are thinking about other supplemental insurance, but obviously since you are already pg, it is too late for that. Hope you don't need it. Some work well into their 30s...
    TTK 9/06 / TTC 10/08 / Twins 12/11 / Life Blog
    5 REs + 3 surgical hysteroscopies for septum/lap + 3 failed IUIs
    IVF w/ICSI/AH & acu = BFP!, unexplained spontaneous m/c @ 8w2d (our little girl),
    FET w/acu = BFP!, B/G twins!, lost MP @19w, dx w/funneling cervix @20w,
    twins nearly lost to IC @21w, saved by rescue cerclage, 17P & 16w of bedrest
    Our twins born @36w4d via CS when A came foot first

    Thankful for every day

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  • For most supplemental insurances-AFLAC, etc you would have had to be covered before you got pg. 
    Diagnosis: DOR and MFI-low everything IVF #1 = triplets! 2 girls and a boy! Born Sept 29, 2011 at 32w6d due to Pre-e and HELLP syndrome Lilypie First Birthday tickers
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  • Thanks! I posted this on the September 2012 board too, since that is when I'm due. I have to use my STD and FMLA to cover the recovery from the C-Section and "maternity leave". With all of that I'm only covered up to 12 weeks total. That means the earliest I could leave work and still have a job is 34/35 weeks.
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  • imageEriksgal:
    For most supplemental insurances-AFLAC, etc you would have had to be covered before you got pg. 

    yep. I am an insurance agent & no one will cover a pre-existing condition.

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  • I work with STD/LTD insurance. 

    Your STD should cover you if you are taken out of work by your doctor.  Normally you would have a small elimination period (7-14 days - most policies some are a little longer or less), then your STD benefits would kick in.  Being placed out of work while pregnant (as long as your doctor tells you to stop) is considered a disability.  Then, once you deliver you would get (depending on the policy, as some policies don't have 8 weeks for c-section) 6-8 weeks from the date you deliver.

    I was taken out around 30.5 weeks, delivered at 36.3 and went back to work after 6 weeks (vaginal birth).  I did use all of my FMLA time (it started from the day I was taken out of work), however my employer won't terminate as long as you are on disability (unless of course you hit the 1 year mark of being out).

    Have you talked to your employer in regards to how it would work if god forbid you were taken out prior to 34/35 weeks?

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