A lot of my clients want to know if their disability insurance policy will cover them when they are pregnant. It depends on a few things:

1)      Most policies have an elimination period of at least 90 days. As such, you must be unable to work for at least 90 days before the benefits kick in.

2)      The policy requires you to be out due to sickness or injury. This would not cover a typical maternity leave. However, it would in fact cover any complications of pregnancy. I have actually had several clients have major complications from childbirth, some of whom couldn’t go back to work for more than a year.

3)      If you are pregnant when you apply for coverage, the company would most likely have a pregnancy exclusion on the policy since you are applying after you have a known condition.

If you are thinking about starting a family, the best thing to do is to purchase your individual disability policy before you are pregnant to ensure you will have coverage.

For more information about disability insurance and pregnancy, contact Set for Life Insurance today!