I'm trying to get pregnant. Can I get short-term disability insurance now?
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So I just talked to a friend of mine who is 11 weeks pregnant and she was telling me about all the disability leave options and I wondered if disability insurance like Aflac will cover the difference in wages. On their website it says it does but only if you give birth more than 10 months after the policy is effective. I'm not pregnant yet but should ovulate any day. This is our second round on Clomid. I ovulated last time but we did not get pregnant. I'm really hoping this is our month. Is there any point to getting the coverage now? Would I have a chance of getting coverage for a normal pregnancy with it if I did get pregnant this time? I know that if I don't get pregnant this time, I should have the coverage so that I'll be in the clear if I get pregnant next time. I also know it can cover for disability due to pregnancy-related illness from a non-normal pregnancy so it may have value there also. I am going to get it regardless, I'm just wondering if I get it next week, and ovulate next week if I will give birth after their time restriction. Any thoughts advice or opinions?
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Answer:
In order to be covered for pregnancy the policy has to be in effect a month at least before you get pregnant. Your words ~" On their website it says it does but only if you give birth more than 10 months after the policy is effective." ~ you have coverage 10 months after the policy effective date. So if the policy effective date is say, March 15th, you have to give birth after January 15th (10 months later). Your coverage for pregnancy or pregnancy related charges begins january 15th. The insurance company, in this way, protects itself from any pregnancy and pregnancy related problems for 10 months. Also check out exclusions for fertility treatments. Read the policy details over and over until you are sure of your coverage.
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Other answers
Maternity disability coverage is EXTREMELY expensive, if you're buying it privately - and usually you have to hold the policy a full YEAR before becoming pregnant (one month wait, if it's through your employer, maybe). As always, you have to read the small print, with the policy you're buying, to find out exactly what is covered, under which conditions.
mbrcatz
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