Yes, pregnancy is covered by short term disability insurance. For normal pregnancy, you may be given some time off at the end of your pregnancy. If bed rest is ordered, you may be able to draw the benefit for several months. You need to consult your own policy for benefits offered.
You usually must apply for short term disability before getting pregnant for it to cover your pregnancy.
Not all policies are created equal. Some short term disability policies will pay for your recovery for normal childbirth, and others won't. Most will cover lost income due to complications of pregnancy prior to delivery, or any postpartum disorders that delay your return to work.
Policies sold directly to individuals do not cover normal childbirth. Only policies sold through groups do so. You can purchase individual coverage through a payroll deduction and pay the premium 100% yourself. If your employer does not offer a voluntary option, you can ask them to make one available. Or you can purchase a policy direct, but it won't cover your maternity leave.
It really depends on the type of short term disability plan that you have. Most I have seen will not cover a normal pregnancy but will a complicated pregnancy. Some disability insurance will not cover any type of pregnancy without a medical diagnosis of a complication caused by the pregnancy other than the pregnancy itself. If you can locate your policy, read the exclusions and limitations page to find out what it specifically covers in regards to pregnancy.
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You usually must apply for short term disability before getting pregnant for it to cover your pregnancy.
Policies sold directly to individuals do not cover normal childbirth. Only policies sold through groups do so. You can purchase individual coverage through a payroll deduction and pay the premium 100% yourself. If your employer does not offer a voluntary option, you can ask them to make one available. Or you can purchase a policy direct, but it won't cover your maternity leave.