This insurance can be purchased and taken out of effect from within 12 months prior to childbirth, which is only a few months before a woman starts to show.
About short term disability while pregnant:
While on short term disability while pregnancy, the worker can no longer get any medical attention or nursing care. She needs to call in a licensed nurse to visit company in order to care for her.
-Upper medical expenses might be covered up to point of hospitalization.-Cost of covering the maternity leave period is not a consideration for employer.
Pros of short term disability while pregnant:
If you want to take short term disability while pregnant from your job then the thing is you will have to submit for a sick leave of less than a week. You can submit the leave without pay at first.
-You can take up to 90 days off in total, which means you can make same amount of money while still having option to work for another employer after leave
Pros of short term disability while pregnant:
The sick leave can be taken by you or you can apply for short term disability while pregnant. In this case, it is to be used if you want to take a total of 26 weeks of the pregnancy disability leave.
Cons of short term disability while pregnant:
-If you do miss work because of your pregnancy, you will lose a significant portion of your full salary, with your employer picking up remaining portion.
You can still get a short term disability while pregnant. If your doctor tells you you can't work during pregnancy, you can obtain this kind of insurance policy coverage benefit for up to 12 weeks.