Does Short Term Disability Insurance pay benefits for pregnancy?

Employer-based short term disability insurance does cover pregnancy, whereas it varies with individual policies. Most individual policies cover disability due to complications, but not normal pregnancy. Among individual policies that cover pregnancy more broadly, the way group insurance does, Elimination Periods are longer (i.e., 90 days).

Short Term Disability Insurance
For Individuals

For a market survey of options based on non-personal information, fill in the drop-down fields. Results will display instantly.

Table 1
Short Term Disability Insurance

Protects income with a weekly benefit as opposed to monthly benefit.

Insurer, Policy Form ID	Variant	Benefit Amount	Benefit Period	Monthly Premium
Assurity, ICC20-IH2016-AO	Accident Only	$500 per week	13 weeks	$14.31
Assurity, ICC20-IH2016-AO	Accident Only	$750 per week	13 weeks	$21.46
Assurity, ICC20-IH2016-AO	Accident Only	$500 per week	26 weeks	$22.69
Assurity, ICC20-IH2016-AO	Accident Only	$1,000 per week	13 weeks	$28.61

The Elimination Period is how long it takes before benefits begin to accrue, as measured from the beginning of disability.

Table 2
Accident Insurance with a Disability Income Rider

Insurer, Policy Form ID	Selections Included	Benefit Amount from DI Rider	Elimination Period	Benefit Period	Monthly Premium	Exclusions and More...

Table 3
Cancer Insurance

Insurer, Policy Form ID	Selections Included	Benefit Amount	Elimination Period	Monthly Premium	Exclusions and More...

Where To Go From Here

Your options will need to be further developed to account for your individual needs and qualifications. So far, only non-personal information is factored in. That's enough to get an idea of what cost universe we're talking about, but not accurate enough to base a buying decision on.

The required personal information relates to:

How you work, including responsibilities, specialization, work environment, and skill sets you depend on to perform at the top of your game
How established you are in your career and employment
Career expectations
Earnings
Other existing disability coverage, if any
Lifestyle (e.g., travel, recreation, substances)
Health
Where you are in this journey, including other inquiries
Any underwriting requirements you prefer to avoid

There are different ways to provide this information. You can call, answer questions by intake form or send a note. Health information cannot be provided using the intake form method, but there is an off-line medical history questionnaire available. You won't have to provide any information that you don't want to, and what you do share will stay just between us.