| Accidents and illnesses account for 80% of short term | | | | replace your income should you become seriously ill. |
| disability claims. Sicknesses like cancer, heart disease, | | | | But there is more. During your pregnancy, you may be |
| diabetes make up 60% of that total. Should you | | | | more susceptible to a variety of illnesses. When you |
| become seriously ill, short term disability insurance will | | | | hear or read health warnings they typically state that |
| replace up to 2/3 of your income for as long as two | | | | young children, the elderly, and pregnant women should |
| years. You rely on your income to pay your mortgage, | | | | be most careful. In addition, illnesses such as |
| car payments, etc. Wouldn't it make sense to insure | | | | pregnancy diabetes and other pregnancy related |
| your most important asset? | | | | conditions may manifest themselves. Your short term |
| Many people shy away from this important income | | | | disability policy will pay benefits for covered |
| protection because of cost - thinking they won't | | | | sicknesses, and pregnancy related illnesses. |
| become sick. Your budget may already be stretched, | | | | Your short term disability policy can also help protect |
| with little left over before the next pay day arrives. | | | | your health during your pregnancy. You may feel |
| You may be thinking you can't afford an additional | | | | pressure to continue working to help make ends meet. |
| $150 per month for insurance you may never use. But | | | | Some women continue working when their doctor |
| if you can't afford this smaller amount, what will | | | | says no, or return to work too soon - because bills |
| happen when your entire paycheck disappears? | | | | need to be paid. Having your income replaced during |
| But women who are planning a pregnancy have a | | | | this time takes much of the pressure away. You won't |
| unique opportunity: pregnancy is a covered sickness. | | | | feel the need to "work just a few more days", or |
| Your benefit for normal delivery may greatly exceed | | | | return to work before feeling 100%. |
| the premium paid over time, providing important | | | | But there is still more. What if your pregnancy |
| coverage for other sicknesses at no additional cost. | | | | experiences complications? Your short term disability |
| Short term disability insurance replaces a portion of | | | | insurance will cover pregnancy complications that |
| your income for six weeks for a vaginal delivery, and | | | | require you to miss work for medical reasons. Simple |
| eight weeks for a c-section delivery, less the | | | | bed rest does not qualify, unless there is a medical |
| elimination period. Your premium rates will depend upon | | | | reason, verified by your doctor. |
| the industry of your employer, and the policy | | | | All of the above make short term disability insurance |
| configuration that you choose: elimination period, and | | | | one of the smartest moves a woman can make |
| benefit period. | | | | before she gets pregnant. Pregnancy is a pre-existing |
| Your benefit for normal delivery may be twenty four | | | | condition. Once you are already pregnant, it will be too |
| to forty eight times what you might pay in monthly | | | | late to use your maternity benefits to pay for your |
| premiums. Congratulations, you just paid for two to | | | | insurance premiums. |
| four years of important disability coverage that will | | | | |