Disability Insurance Basics
Does disability insurance cover pregnancy?
Most individual disability insurance policies cover pregnancy-related disabilities. Short-term disability insurance typically covers maternity leave (6-8 weeks for vaginal delivery, 8-10 weeks for C-section). Long-term disability covers complications of pregnancy that prevent you from working beyond the short-term period.
Key Points
- Most individual disability policies cover pregnancy-related disabilities
- Short-term disability: covers maternity leave (6-8 weeks vaginal, 8-10 weeks C-section)
- Long-term disability: covers complications of pregnancy
- Pre-existing pregnancy: may be excluded from new policies
- An independent agent can help you find disability insurance that covers pregnancy