| Pennsylvania does not have state mandated maternity | | | | commuters to those near only a handful of bridges. |
| leave pay - except perhaps for those who live near | | | | While the entire eastern and northern PA border |
| the border, or those who plan ahead and act at the | | | | meets NY and there are few natural commuting |
| right time. PA residents who cross the state border to | | | | barriers, Pennsylvania residents who commute to New |
| work in New Jersey or New York have coverage, | | | | York don't get much of a benefit. The New York |
| while the rest must plan ahead and purchase short | | | | disability plan replaces up to 50% of income, but caps |
| term disability before getting pregnant. | | | | out at only $170 per week. This is more than 2/3 less |
| Pennsylvania has long borders with both NJ and NY | | | | than the New Jersey benefit. While better than no |
| states. Both states have mandated short term disability | | | | benefit at all, it still leaves many with a huge hole to fill |
| insurance coverage that pays benefits for pregnancy | | | | during maternity leave. |
| and maternity leave. The key to these programs is | | | | Pennsylvania residents looking to increase their |
| that they cover people who work in the state, rather | | | | maternity leave income can purchase short term |
| than those who live in the state. Pennsylvania residents | | | | disability insurance before getting pregnant. When |
| who commute to either state are automatically | | | | coverage begins prior to conception, short term |
| enrolled in the programs - but there are limits. | | | | disability covers your maternity leave. Your benefit for |
| The New Jersey plan replaces up to 2/3 of your | | | | normal delivery may greatly exceed the premium you |
| income, capping out at $561 in 2010. So if you live in PA | | | | pay. Plus, you are covered in case of complications, |
| and commute to NJ you are covered! Too bad the | | | | accidents, and illnesses that cause you to miss work. |
| Delaware River runs between the two states, limiting | | | | |