Healthcare Coverage While Pregnant

In my experience as an insurance agent the disability insurance policy I can offer specifically excludes pregnancy. Also, from what I have seen with other policies is that since pregnancy is planned, in most cases, it is not considered a disability. It is similar to being pregnant and not being able to be excepted if you apply for health insurance until after the pregnancy.

This may be true for policies sold direct. However, Short Term Disability policies sold as Voluntary Employee Benefits do provide the coverage you are asking about. * When bought preconception, Short Term Disability provides a six week benefit period for vaginal birth - less the elimination period, and an eight week benefit period for cesarean birth - less the elimination period.

You must buy these programs at work, but since you will be paying for the programs, it is very easy to ask your employer to make the option available.

Read on for more advice and comments from Wiki s contibutors:

• I am 15 years old and im 23 weeks pregnant my family is helping me and is so exited but they werent at first!I know theres WIC but i don't think im even elegible for it because my family might make too much money but really we don't....with the cost of food lately its expensive to go to the store even if u watch what ur buying. It costs my family about 250$ at the store when we get everything we need. And we don't even have that much for that. We have like 100$ ha and with 5 ppl in ur family its hard...plus no clothes and im gettin bigger i cant fit into mine ne more i was wearin extra smalls now im in mediums almost larges its hard...i need money for my child i cant even get a job cause im 15 no one will hire me and even if i was 16 or older i probably couldn't get a job ne way cause barely anyones hiring since the economy is so bad and they cant affford it. well im done here but im glad i made the decission to keep my baby girl but its gonna be hard on money!

• If the father isn't around, child support is usually enforced if you are requiring assistance with local and state human resources

• The only financial support pregnant teens should receive is the support from the father of the child. A child is the mothers responsibility, not the mothers parents, or the government but the mother alone and if you make the decision to keep your child then you should raise your child. You may struggle but whatever doesnt kill you will just make you stronger in the end.

• Yes there are financial support for teen mothers. Muh friend is on one now called WIC. And they give her coupons to go to the store and getr diapers babyfood and wat u need to take care of ur baby.

• Contact the DFS in your city or county. They will assist you in finding medical care, WIIC, and if needed living arrangements. There are also agencies to aid in a teen finishing their education, job training and placement, child care expenses and so forth. It takes TWO people to "make" a baby. You will need to name the father, so the state can, if possible recover some of the expenses and if the circumstances warrant begin the legal process of obtaining a child support order.

• I'm changing this entire answer. I am 19 years old and just recently learned that I have become pregnant. I continue to hear this recurrent theme throughout these answers - "Keep it in your pants". Well, you know what, if your mothers and fathers had "kept it in their pants", perhaps you wouldn't be here. I'm going through one of the most difficult times in my life, and "keep it in your pants" is not helping me through it. Perhaps if you all dropped your fundamentalist agendas for a moment, you'd see that YOUR CRITICISM is that which is making the abortion rates skyrocket. Personally, I don't know if there is financial support out there for pregnant teenagers, in fact, that's what I came here to find out. However, for the pregnant teenagers visiting this site, I feel your hardships, and I trust that you will not take the testimony of these ignorant people to heart.

• Forget all those people telling you to keep in their pants because honestly they know nothing. I am 16 years old and found out i am 7 weeks pregnant. Well when I finally told my parents my mom took me to dshs and i now have medical and i have an appointment with WIC and they will give me milk, juice, ceral, chesse and other food..If you havent looked it up find a local WIC office and go to your local dshs if you need medical or food stamps or financial help. I know what you are going through with people saying "keep it in your pants" and i hate that because it's like they have no compassion at all and i also believe that's a reason so many people have abortions. i really hope everything works out for you goodluck
• First off, i'd like to say that I am 17 years old and will be 18 next month and is 10 weeks pregnant. For all you judgemental people out there, who are you to judge others. Mistakes happen just like everyone in here are human. Stop acting like you or anyone you know didnt have a child as a teenager. Some may be able to do more than others. The whole point is that the situation is at hand. There is always an alternative (referring back to the question). There is WIC, public housing, child support, etc. So ignore those losers and keep your baby. Just go online and do some research. Talk to an adult whom you trust and they can help. Good luck on your decisions and remember, who cares what others think. It's your situation and you must deal with it not them. You don't owe anyone of them so keep your head up and do what you have to do.

• I am 16 and I will be 8 months next week. There are a couple of things you nee to think about. First of all let me say that I do not encourage any more posts like the one above mine. It is very immature and I am sure she was still in shock when she wrote it. Angry posts like that just ake us pregnant teens look worse. So here is what I can tell you. You can get WIC, it is very easy to get. If you are not married to the father than you are the child's mother and they will take your income..even if you don't have any. You can not, however, get food stamps. You hae to be 18. You may also be eligable for free health insurance...just go apply the worst thing they can do is say no, and if they do than you can figure it out from there. I very much encourage you to keep your baby, I am also having a girlans after carrying her this long I have fallin in love with her. Honetly my opinion is abortion is just straight up wrong, and as far as adoption, if you were big enough to lay down and have sex than you are big enough to do what it takes to take care of YOUR child.

Enough about making your own poolcrete, now lets get down to business...

Mix your poolcrete in a gas powered masonry type mixture in the same method as discussed previously. Again, if you wish, you may add a few squirts of dishwashing liquid to the water content before adding the poolcrete. I would like to note that the use of the dishwashing liquid is a good practice for unskilled workers. Most professionals do not like to use it. Professional pool builders usually all have their own preferred method of appling the crete but what I am going to instruct you on here is the way we do it after 30 years of the practice. For this example I am going to set you up on a common 16 x 32 pool with 2' radius corners and a hopper depth of 8' that is a new construction. Most of the time we like to sugar coat the bottom of our pools with a couple of inches of crusher run from the stone company. This helps with having a neater workspace in the pool and also makes it easier to move to poolcrete around with a wheelbarrow. I am assuming that you have already installed any string lines that you will need on transitions that indicate where the finished surface should be. You should set up your mixer right at the edge of the pool wall in the shallow end and locate the poolcrete close to the mixer. We have fashioned a device out of 3/4" PVC pipe and a ball valve that connects to a common garden hose that hangs over and down into the mixer a few inches. This makes adding the water to the mixer more accurate and alot easier. You can make a 4' long shute from some scrape plywood and lumber screwed to the sides that can be wire tied to the bottom frame on the mixer. When you dump the poolcrete out of the mixer it will go down the shute and into a wheelbarrow. I have one worker that mixes the poolcrete and then gets into the pool and pushes the mix to where it is needed. Usually it is only me that is actually troweling the mix but sometimes I have one other troweling. As we build a high volume of pools, when I do the excavation I try and get it dug as fast as possible so the banks on the slope are usually over dug a bit. It is much faster to dig with a backhoe than with a pick. We always start on the banks at the transition from the shallow end and work the banks around the pool. When we are overdug (more than 2" of mix will have to be applied to the banks) we start with a roughin coat that will bring our mix to within a half inch or so of what the finish should be. The mixture for this should be fairly wet other than in places where gouges where taken out for rock or other things. If you have areas where it will take alot of poolcrete to fill in then go ahead and dump some mix into theses areas first and just bring them up a little at a time while you work on other areas. This roughin coat should be left "rough" so that the crete doesn't want to slide off the banks when you run the finish coat. Do not try to make this coat look good. The banks are what I think are the easiest to trowel but it is always the most time consuming part. Another good reason to use to roughin method is if you will not be able to complete the job that day for some reason like the possiblility of rain then you can go ahead and work on this because the banks a easy to cover with plastic. Poolcrete can be shaved of up till a couple of days later if necessary to get rid of a high spot. When you have the banks roughed in to maybe a half inch or so then you can run a finish coat. I like to run my finish on the wet side because it is only a half inch or so and it finishes better. When you are running any finished surface make your strokes as long as possible in a comfortable stance. Keep your body lose and just go with the flow and let your mind feel the trowel. While this is very much eye to hand coordination, you must remain in sync with the trowel and the material and let your senses take over. Troweling poolcrete is very similar to icing a cake. It is like cool whip mixed with peanut butter. What you are looking to acheve is a uniform surface. It is not supposed to be as slick as glass and you will have over troweled the material before you know it. Do not keep going over and over the mix as you would with conventional concrete. It is not concrete. You need only to slightly tilt the pool trowel maybe 1/16" of an inch to stroke in any direction. Make your pass good with the intention that the next pass will take out any trowel marks in the crete. If the first pass looks good then leave it alone or you may screw it up. The poolcrete should resemble gray asphalt and have a slight texture. It is common to work air into the mix during placement and this will cause bubbles to lump up on the surface. This is not that big of a deal so if you have this to happen just turn the trowel on edge and gouge the place to release the pocket of air. If you have to join wet poolcrete to a drier area then you can take a spray bottle filled with water and some dishwashing liquid and spray the drier edge first. This will help to blend the two areas together. The best method of appling poolcrete to the banks is to roll the wheelbarrow to the needed area and sling it on the banks with a square point shovel. Other areas can be dumped out and troweled down on spot. After we finish the banks then we usually bring the slope down and finish the bottom of the hopper. We leave a strip of the slope about 3' wide to come back up as we trowel this backward till we are back to the top (not so easy). At this point in time you are almost home free! Continue to trowel in the remaining shallow end and work toward the step as this is where you will exit.

I sincerly hope that this information will help some crazy sole that just really wants to do this for themself. I would also like to make a few other personal statements about this subject. I have built swimming pools for around thirty years and during this time I have often tried to train people to do this. I have only had one person that was ever able to trowel this material that met my approval and thank goodness this person is my wife and partner. If you do this and get results that please you then be satisfied... because most people just cant do it.

Thank you for reading this,Anthony Sloan / Sloan Construction Serviceshttp://www.sloanconstructionservices.com