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You can choose a short-term disability plan with 12 weeks, 24, 52 weeks of benefit. A good disability insurance broker should be able to show different options.
The California short term disability program replaces 55% of your income for up to 52 weeks.
The amount of time that you get disability pay depends upon the reason for your disability. The standard benefit period for normal delivery is six weeks for vaginal birth, eight weeks for a c-section delivery. If delivery complications occur, and your doctor indicates that you remain disabled beyond the standard benefit periods, short term disability insurance will cover your extended disability. Many women need to be disabled for bed rest prior to delivery. Short term disability insurance will cover this disability period as well.
Probably not. Most long term disability policies have an elimination period of 3 months or more. You will be considered disabled 8 weeks for a c-section delivery - well short of the elimination period. Check your policy for the exact elimination period. If something happens during your pregnancy and/or delivery that causes a lengthy disability, then you may be paid a benefit. Most women of child bearing age find short term disability to be a better overall fit. It offers an elimination period as short as one week - meaning your maternity leave will be a covered benefit.
You can receive short term disability benefits after giving birth, provided your coverage began before getting pregnant. Short term disability pays a benefit for normal delivery: 6 weeks for vaginal delivery, 8 weeks for c-section delivery.
The state of California allows for 4 weeks of disability coverage before your delivery.
Your doctor may require bed rest for your pregnancy. Short Term Disability will usually pay a benefit provided there is a medical reason that you can't perform your job duties. Short Term Disability will also pay a benefit after you deliver your baby. The common benefit is six weeks for a vaginal delivery, and eight weeks for a c-section delivery, less the elimination period.
The standard benefit for normal delivery is six weeks for vaginal birth, and eight weeks for a c-section delivery.
10 weeks
There is no paid maternity leave or mandated short term disability in Texas. Your best bet is to apply for short term disability preconception. Short term disability will pay a benefit when you deliver, giving you a paid maternity leave. Texas doesnt require your employer to pay you but if you are approved for FMLA then if your job aggrees to pay you for either 6 to 8 weeks that is fine. Just talk to your employer and see what they can do for you. My employer gives you paid maternity leave under FMLA if you have been there for a year. Which I have not and it sucks so im trying to get TANF.
There is nothing that can prevent you from returning to work, but you may forfeit your remaining disability benefits.
Try State Disability Insurance. It's Mandatory that all employees be enrolled. You can find a link to California's Site from www.SteveShorr.com/disability.htm