SAHM of toddler and fearing bed rest - Disability insur?

leneae10

I met with my new HR OB yesterday.  She's A M A Z I N G.  She is sending me to a team of peris for my NT scan and to be a part of the process here on down the road.  She said 90% of pregnancies go smoothly, and 10% need lots of extra attention and help.  Because of my horrible history, I'm in her 10%.

She said she will not hesitate to put me on bed rest and will try her hardest to keep me out of the hospital but she can't guarantee.  I need a backup plan.

I was pg with twins before and went to 1 MoM's meeting before I lost them at 18w.  Someone there mentioned AFLAC insurance and to get it early on in case the inevitable happens.  One of hte ladies there, pg with trips, said it took care of her older child's daycare and house cleaning expenses since she wasn't able to effectively do her job due to a temporary disability.

WDYT?  Is this legit?

Jen0204

You have to sign up with Aflac prior to getting pregnant.  You need to be on it for 10 months before they'll pay anything out (although I heard they may still pay out if you go into labor prematurely, but you can't be pregnant when you sign up).  I was so bummed because I only heard about this after getting pregnant too!

leneae10

Well pooper scoop.  I guess we'll just have to finance daycare in the event.  We have no family nearby....

nuttycoconut

Just wanted to say that sucks and I'm sorry I'm nervous about bed rest and don't even have to worry about taking care of a child.