The Basics of Maternity Insurance and Pregnancy Leave
The basics of pregnancy leave and maternity insurance are very important to understand and read over, especially when expecting. When you are about to have a child, you shouldn’t have to worry about your medical condition, job status and health insurance benefits.
However, the unexpected always has a chance of happening. What will happen if your boss advices for you to stay home and take time off?
You should always ask your employer about what is going to happen if you do take that time off. By federal law, employers are not required to provide pregnancy-related disability leave to their employees.
Figuring out what benefits you are entitled to is a bit complicated. If you want to find out what your exact benefits are, ask your employer. Ask if you entitled to any benefits during pregnancy.
If there are no benefits offered, don’t think about quitting your job, because, keep in mind, your employer isn’t required to offer such benefits. In fact, there are many employers who don’t offer benefits such as these at all.
When you are determining eligibility for maternity and pregnancy leave, there are certain rules health plan administrators and employers must follow:
- Pregnancy-related benefits cannot be limited to married employees
- If you are pregnant, your employer must treat you just like any other temporarily disabled employee for vacation calculation, pay increase, temporary disability benefits and accrual and crediting of seniority
- Your employer must hold your job open for the same length of time jobs are normally held open for temporarily sick or disabled employees
- Make sure that your health insurance plan offers pregnancy benefits
- Pregnancy-related expenses should be covered if your employer offers health insurance with maternity benefits.
- In order to determine your ability to work, your employer may not single out pregnancy-related conditions.
- If your health insurance does cover pregnancy expenses, they should be reimbursed like any other medical conditions
Make sure that you find out everything you can about your pregnancy coverage. After all, you’re expecting the baby, not insurance problems.
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