 Posted: Mon Nov 02, 2009 8:53 pm Post subject: |
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What exactly do you mean by short term disability? Short term disability policies are usually offered as an employee benefit. They can be purchased on an individual basis, but this is rare. If you are expecting disability through Social Security you'll have to meet a few requirements. 1.) A five month waiting period (known as an elimination period) where you must be sick or hurt and unable to work for that entire period of time. 2.) The disability must either be expected to result in your death or be irrevocable. For a normal pregnancy it's hihgly unlikely you'll ever receive social security benefits. Even with a complication, it would be still be extremely difficult to receive benefits.
Further, I'm not aware of a disability insurance policy that will pay benefits to someone who has not been employeed for the past 12 months, so depending on the length of your unemployment an individual policy might not be much help either.
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anonymous34
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