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Aflac, anyone?

hrhmaryhrhmary
in High-Risk Pregnancy

As a teacher, I am a state employee.  Delaware recently raised it's elimination period for STD to 60 days, which effectively cancelled us having paid maternity leave.  So I was looking into Aflac, as a private policy, but just read this on their website:

"The term complications of pregnancy does not include premature delivery without incidence, multiple gestation pregnancy, false labor, occasional spotting, prescribed rest during pregnancy, morning sickness, and similar conditions associated with the management of a difficult pregnancy but not constituting a classifiably distinct pregnancy complication. Cesarean deliveries are not considered complications of pregnancy." As someone who was high risk and will be for all future pregnancies, this doesn't sound to me like anything other than 6 or 8 weeks of postpartum is covered.  Am I reading it correctly?  Does anyone currently have a policy through them?  It seems like kind of a waste if it doesn't even cover bed rest! Mary
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Re: Aflac, anyone?

  • betheppertbetheppert

    I have a 3 month disability coverage through them- my rep said that the cover the 6-8 weeks for maternity leave, but if bed rest is required the most the will cover is 3 months. I had thought about upping my plan to cover 6 month.

    I also have a hospital plan that reimburses me for surgeries (c-section $500) and a daily hospitalization rate of $150  which should come in handy for paying the hospital bill! 

     

    Hope that helps! 

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  • ladybug03ladybug03
    Hi! I hav ethe short term diasability plan through them also. I was put on bedrest at 24 weeks and they only covered me for 3 months. Fortunely my compamy has a long term disability plan that I am eligilble for after 90 days. Unfortunely my Dr will only wirte me out of work for 6 weeks for a vaginal birth. So long story short I collected Aflac for my first 90 days and then I will collect LTD for 6 weeks after my birth. Good Luck
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