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Short Term Disability/private insurance

TaraGoldenCOTaraGoldenCO member
in Babies on the Brain
I assume it's not, but is it possible to get short term disability to cover maternity leave outside of an employer sponsored plan? (We are only 4 in my office so we wouldn't have enough to make an employer sponsored/employee paid plan). 


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Re: Short Term Disability/private insurance

  • Xstatic3333Xstatic3333 member
    TaraGoldenCO said:

    I assume it's not, but is it possible to get short term disability to cover maternity leave outside of an employer sponsored plan? (We are only 4 in my office so we wouldn't have enough to make an employer sponsored/employee paid plan). 



    We are only 4, too! I looked into this and discovered it's either impossible or too expensive in my state, but that there is a state program that will provide a small stipend. We can get through a leave, just hoping hard I won't need bed rest before giving birth...
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  • bsckgb7bsckgb7 member
    Lurker here - My car/home insurance is through StateFarm and they offered me a STD disability policy.  However, they usually pay at 65% of your normal rate and you have to use all your vacation/sick time first.  So if you have lots of vacation time built up, do the math.  It might be that once you pay premiums for a year + that you will have paid enough to cover what you would have been paid out.  

    There is no such as a policy just for maternity though.  So you could start paying it now and it would take you a year to get pregnant, so then you end up paying 18 months worth of premiums before you get a pay-out.  
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