How State Disability Insurance Covers Your Maternity Leave

Posted by EZTDB on October 30th, 2019

Short term disability insurance, without a doubt, comes as a rescuer in difficult, unforeseen situations. It takes care of your income in situations where you’re unable to go to work due to an insured disability. Of all the reasons for not being able to go to work, maternity leave is considered to be the most common one. After delivering your child, you can expect disability benefits for up to six weeks. While New Jersey state disability insurance takes care of your issues, it is important to know how benefits are paid as each situation is different.

Women often have inquires about how benefits are paid when they are on their maternity leave. We’ll try to look at those questions and answer them for you.

Commencing of Benefits

Typically, your benefits begin on the day of your delivery. Although you’ll have to wait through the elimination period, you can expect to get your short term disability cheque after that period ends. You can ask your employer or check your short term disability plan to ascertain the length of your elimination period.

Receiving of Benefits When You Stop Working Prior To Your Due Date

This depends on the policies of your insurance. Generally, if certification is provided to you by a doctor, you may be regarded fully disabled up to one week before your actual delivery date. In cases where you are unable to go to work due to severe complications, your doctor should present medical records and your plan may allow for benefits prior to that date.

Receiving of Benefits When You Are Off Work For More Than Six Weeks

You can expect to get your disability benefits beyond the usual six weeks only if there are medical complications present. For this, your doctor must provide certification, justifying your extended leave of absence from work. You may get additional two weeks of benefits in cases of Cesarean section.

Receiving of Benefits For Twelve Weeks of Leave

People under the Federal Family and Medical Leave Act (FMLA) can take leaves up to twelve weeks for certain medical or family emergencies. Under this act, employees mostly retain their jobs when they return from leave of absence . Just like New Jersey state short term disability insurance has its own leave laws, you should refer to your state’s specific laws to see whether you can avail benefits for these many weeks.

For any further information, you should review your disability plan or consult your benefits administrator.

Author’s Bio - Author is an online blogger. The content is about the New Jersey state short term disability insurance.

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EZTDB
Joined: August 13th, 2019
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