| Your maternity leave should be a time of great | | | | hospitalized |
| happiness, as you and your newborn child have a | | | | Pregnancy Tax Savings |
| chance to bond. Don't let financial concerns rob you of | | | | A Flexible Spending Account allows you to use |
| the joy. You can create your own maternity leave | | | | pre-tax dollars to pay for certain predictable expenses |
| benefits that can help you enjoy this time, without the | | | | associated with your pregnancy, delivery, and |
| worry. | | | | upcoming child care. You may find opportunities to use |
| Maternity Leave Insurance | | | | pre tax dollars to pay for: |
| Apply for two maternity leave insurance programs | | | | - Fertility treatments |
| when you are planning a pregnancy, or trying to | | | | - Co pays for extra doctor visits |
| conceive. By applying before you conceive, your | | | | - Co insurance for diagnostic tests such as |
| normal pregnancy and delivery will be a covered | | | | ultrasounds, etc |
| benefit. | | | | - Out of pocket expenses for prescription drugs, |
| Short Term Disability Insurance can create maternity | | | | prenatal vitamins, etc. |
| leave pay. Your benefit for normal delivery may triple | | | | - Deductibles - your pregnancy and delivery may utilize |
| the premium you pay over twelve months. | | | | your entire annual deductible |
| - Plus you are covered in case of pregnancy | | | | - Hospital co pays are very common, and your |
| complications, delivery complications, accidents and | | | | maternity labor and delivery may invoke a charge |
| illnesses. | | | | - Child care that allows you to return to work |
| Hospital Indemnity Insurance covers your normal labor | | | | Gain Access Via Your Employer |
| and delivery, and will pay a cash benefit directly to you | | | | You can easily get the coverage you want with |
| that increases your maternity leave pay. Your benefit | | | | cooperation from your employer. There is no direct |
| for normal delivery may be six times the premium you | | | | cost to your employer, as you pay the premium via |
| pay over twelve months. | | | | payroll deductions. And, your request is very simple, |
| - Plus you are covered in case of premature birth. An | | | | your employer benefits, and your co-workers will thank |
| additional benefit may be paid in the event that your | | | | you. |
| infant requires special medical attention in the Neonatal | | | | Flexible spending accounts often save your employer |
| Intensive Care Unit or NICU. | | | | money by reducing the amount of payroll taxes they |
| - Plus you are covered in cases where an accident or | | | | must pay. |
| illness causes you or a family member to be | | | | |