Why are these questions vital? California has state mandated pregnancy, maternity leave, and paid family leave benefits which can extend for up to 18 weeks. You will be receiving 55% of your income – or less – during this time. Many couples can’t afford having mom away from work so long.

The California disability program applies to private workers only.  Workers for state, county, and municipal governments may not be covered.  Teachers are considered government workers, and often are not covered.  Also, independent contractors are also not covered.

How you Get to 18 Weeks of Maternity Leave

Here’s how California allows you up to 18 weeks of maternity benefits for your normal labor and delivery.

4 weeks before your delivery via California SDI
8 weeks after your delivery (c-section delivery) via SDI
6 weeks of paid family leave so you can bond with your baby

It’s possible that your pregnancy may encounter complications requiring you to leave work before the standard four week period. In this case your total time away from work will exceed the eighteen week barrier.

What’s your Maternity Income Gap?

California SDI (Short Term Disability Insurance) caps your weekly benefit at 55% of income or $959 per week – whichever is less.

If your income exceeds $90,669 per year, you hit the cap. In this case divide $959 by your weekly gross pay to determine how big your pay cut will be for 18 weeks.

Not Everyone is Covered

Government workers, teachers, domestic workers, non-profit employees, contract workers, and employees who claim a religious exemption often are not covered. The California short term disability insurance plan mandate covers private workers only.

Fill the CA Maternity Leave Gap

If you are planning a pregnancy, you have an opportunity to buy additional income protection to cover your normal maternity labor and delivery!

Supplemental California Short Term Disability Insurance can fill the gap in your maternity leave pay. It pays an additional six week benefit for your vaginal delivery, and an eight week benefit for your c-section birth. Your maternity leave benefit may greatly exceed the premium you pay.

At no additional cost, you are also covered in case of: pregnancy complications, delivery complications, premature birth, accidents, and illnesses.

Pregnancy and maternity leave benefits are payable only when coverage begins before conception. Make sure you get started before getting pregnant, and lock in your extra maternity leave income.  Don’t delay!

No matter who you are, age or income, nothing is more important than protecting your health. If you are under insured and are currently not carrying proper health insurance, you will end up in a major financial mess if you end up getting stuck with a major medical bill. As of the current moment you can expect to pay anywhere from $35,000 to $50,000 out of your pocket if you end up having a baby without proper insurance coverage.

This bill includes drugs, lab work, periodic checkup, hospital stay and more. And complications during child birth will often run up that bill to even higher amounts. To avoid putting you and your family in a bad position you should take advantage of the best ways to get affordable health insurance plans with maternity coverage.

1. By performing health insurance comparisons regularly you will be able to take advantage of the best rates possible and also avoid over paying on    your health insurance premiums.

2. Take advantage of websites that offer health insurance comparisons from multiple providers so that you do not have to fill out the same form at 5 to 10 different websites. You should go to websites that offer the lowest rates from different websites by only having to fill out one single form.

By taking advantage of what is possible to get affordable health insurance plans with maternity coverage today you will be able to have the peace of mind you need when it comes time to finally bring your child out into this world.

To get the affordable Health Insurance Plans With Maternity Coverage today just Click Here

Having health insurance ready and available before you are pregnancy is very important because nowadays there are many insurance companies that are not interested in covering individuals with pre existing conditions and even those that are already pregnant. Covering pregnancy is very expensive for most health insurance companies and they would go to great lenghts to make sure that you either:

1. Foot the majority of your health insurance bill by changing the coverage you currently have

2. Finding a reasons to hike up your costs few months after delivering your newborn

The last thing you need after bringing in a new born into this world is to be forced to deal with a boat load of medical bills and rising premiums. To combat the battle against high insurance you must.

1. Do comparison shopping at the right insurance websites that offer multiple rates for individual health insurance with maternity coverage.

2. Modify your quotes to cover your finances to either choose from bundled packages with medical/dental/vision or a simpler individual health insurance with maternity coverage that covers the main important things that you need such as coverage for your unborn child when they are out the womb and inexpensive co pays.

Most health insurance websites only give you a quote from one provider. But by going to health insurance websites you will be able to get individual health insurance with maternity rates from multiple providers by filing out one simple form and you will save time as well.

To get instant access to affordable Individual Health Insurance With Maternity just Click Here