Short Term Disability Supplemental Insurance
For those considering getting pregnant, but not pregnant yet here is some important info to consider.
When discussing my leave with the HR guy he realized that we have a supplemental insurance to our short term disability policy. I also have long term disablity, but that does not begin until you are out for 90 days so that is really only good if I am put on bed rest or god forbid something really bad happens during labor. Anyway, NY State insurance will pay me 50% of my paycheck up to a whooping $170 per week while I am on my 6-8 weeks of maternity leave. Now the supplemental will pay me 60%of my paycheck in addition to the State money. While on the phone with the insurance gal she informed me that they actually allow people to purchase their own short term disability supplemental insurance policies! I never even knew that. Thankfully I have the coverage but I didn't know for sure until today. But if I had thought this all through I would have inquired about getting this insurance PRIOR to getting pregnant. It is not expensive and will pay you a lot more than the State for those few weeks. Many of you might want to consider looking into this type of coverage to protect your earnings while you are out.
When discussing my leave with the HR guy he realized that we have a supplemental insurance to our short term disability policy. I also have long term disablity, but that does not begin until you are out for 90 days so that is really only good if I am put on bed rest or god forbid something really bad happens during labor. Anyway, NY State insurance will pay me 50% of my paycheck up to a whooping $170 per week while I am on my 6-8 weeks of maternity leave. Now the supplemental will pay me 60%of my paycheck in addition to the State money. While on the phone with the insurance gal she informed me that they actually allow people to purchase their own short term disability supplemental insurance policies! I never even knew that. Thankfully I have the coverage but I didn't know for sure until today. But if I had thought this all through I would have inquired about getting this insurance PRIOR to getting pregnant. It is not expensive and will pay you a lot more than the State for those few weeks. Many of you might want to consider looking into this type of coverage to protect your earnings while you are out.
