Create Maternity Leave Income
When coverage begins before getting pregnant, supplemental health insurance creates maternity leave pay, while also protecting your income in case of pregnancy complications, delivery complications, premature birth, accidents and illnesses.
Short term disability insurance covers normal child birth. It pays a six week benefit for a vaginal delivery and an eight week benefit for a c-section delivery. Hospital Indemnity Insurance covers your normal maternity labor and delivery, and will pay a cash benefit directly to you, not your doctors or hospital. Your benefits for normal delivery may triple the premium paid over twelve months, creating up to eight weeks of maternity leave take home pay.
Security for Complications
Short term disability pays an additional benefit should you experience pregnancy complications, and/or delivery complications. You may miss additional time from work if you need bed rest prior to delivery, or if birth injury causes you to need additional time to heal before returning to work.
In addition, 12% of children are born premature. Should your baby spend time in the neonatal intensive care unit (NICU), hospital indemnity insurance pays an additional benefit for your infant's stay.
Both policies are designed primarily to protect your family's lifestyle should you suffer an accident or illness, and you will also be covered should this happen to you. You simply have several extra reasons to purchase this important coverage.
Apply Before Getting Pregnant
Supplemental insurance provides exceptional benefits for women planning a pregnancy. You have an opportunity to purchase insurance for an event you are planning. Where else can you triple the premium you pay, while also getting important security for the unexpected?
Most policies contain a nine month exclusion for normal delivery. Once you are pregnant, it will be too late to apply.
The benefit is clear, and the timing is crucial. That is why applying for supplemental insurance is one of the most important things you can do before getting pregnant.
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