Maternity Disability Insurance

Like other insurance policies maternity disability insurance covers any unexpected pregnancy problems, helping you out when you are unable to work.

What is Pregnancy Discrimination Act?

It has been found that most of the time the fear of losing out of a job makes a pregnant woman afraid of seeking payment for pregnancy disability, to protect them from such discriminations there are laws that help them obtain pay even during pregnancy.

The pregnancy discrimination act is a federal law and every state has to abide by the rules:

1. Being pregnant does not mean that you cannot be hired for jobs as long as you are capable to work.
2. Unable to work due to pregnancy related complications must be treated in the same manner like that of an disabled worker which means that your job is secure and you can resume work ones you have adjusted your work responsibilities or until alternative accommodations has been provided to you so as to resume work.
3. Health insurance policies that are sponsored by the company should cover pregnancy related problems.
4. As in case of disability benefits that are often offered to employees the same kind of benefits should be offered to pregnancy disability related problems.

What are the health problems included in pregnancy related disabilities?

Pregnancy is not the reason to come under the disability related problem as most of the women are know to work throughout pregnancy. Morning sickness, pregnancy related complications etc where complete bed rest has been ordered by the doctor are reasons enough to come under the pregnancy related disabilities and this law also covers up for childbirth and problems related to the complications during childbirth.

How to obtain maternity disability insurance policy?

If your employer has you covered with disability insurance then this insurance package includes maternity disability insurance too. You need to check it out with your employer, insurance provider. There are some employers who offer unpaid disability leave but then this does not mean that you are covered under the pregnancy disability leave wherein you will get a pay pack.

In case you are not covered under the disability insurance cover policy you need to get yourself insured before you decide to get pregnant.

Choose your insurance policy wisely:

Most of the insurance companies have individual policies which cover you with two-thirds of your pay if you are eligible for certain pregnancy related complications though there are time limits set as some cover you up for a month and a half so you need to read the terms and conditions of the insurance policy carefully before choosing a good and reliable insurance cover scheme.

Importance of following the rules:

To get the benefits of maternity disability insurance you need to follow rules laid out by the laws like:

Getting yourself a maternity insurance policy before getting pregnant, time period required before the policy can come handy, necessary paper work required to get the policy, doctors certificate to help you get the necessary maternity leave sanctioned etc, keeping all these in mind if you get yourself a maternity disability insurance policy well in advance will save you from many a problems.