Are you thinking about starting a family? Do you have a growing one? Pregnancy comes with its own share of worries and stresses—you don’t need financial concerns added onto that list. That’s why you can get insurance for a short-term disability. Pregnancy, as well as illness or injury, falls into this category.
Short-term disability insurance (SDI), also called temporary disability insurance (TDI), gives you monthly cash benefits for a certain amount of time during which you’re unable to do your job due to illness, injury, or childbirth.
If you’re out of work for more than a few days, you don’t need the added stress of worrying about bills piling up. Short-term disability insurance can ease your mind and your wallet by ensuring that you still get a certain amount of your salary.
How Do I Get Short-Term Disability Insurance?
If you’re employed, you can talk to your employer about whether short-term disability is included in your insurance policy. Chances are it is. If you’re in a union, short-term disability is likely covered. Also, some states—currently California, Hawaii, New Jersey, New York, and Rhode Island—provide short-term disability pay to most residents who need it. If none of those options are available to you, you can purchase a supplemental policy from a private insurance company that will cover short-term disability.
Pregnancy and HealthMarkets Insurance Agency
HealthMarkets aims to worry about your insurance, so that you can worry about the more important things in life—like your pregnancy. We can help you find supplemental insurance policies to meet your needs and budget if you’re thinking of becoming pregnant. There is no restriction on your use of the money provided by these policies: you could use it for diapers or doughnuts; the rent or some retail therapy. It’s up to you. Call us today to find out more.