People often ask if they can obtain individual disability insurance if they are pregnant. The answer is YES! Here are a few things to keep in mind:
- Some companies may not offer coverage if you are in your 3rd trimester. If you apply while in you 3rd trimester, you may need to put your application on hold and resume the process after you have given birth.
- If you apply in your first or second trimester, most companies will be able to offer coverage but will most likely add a pregnancy exclusion on the policy. If your policy comes back with an exclusion, you can request for the exclusion to be removed once you have given birth and are back to work.
If you are not pregnant when you apply, they will not add a pregnancy exclusion on the policy unless you are receiving fertility treatments. Fertility treatments usually cause an exclusion.
If you are freezing your eggs, they may add an exclusion on your policy for pregnancy with the anticipation of a future pregnancy. I had a client going through this process while applying for coverage. Although she insisted that she was not ever planning to get pregnant, the company would not budge.
Pregnancy is covered by most policies the same as any other kind of medical condition. If you have risky pregnancy that precludes you from being able to work (ex: bed rest), you would be covered under the policy the same as any other medical condition. You would need to satisfy the elimination period before the benefits were paid.
Maternity leave would not be covered under a disability policy unless your leave was medically necessary.