Can You Afford pregnancy Complications in New York State?

Health Insurance Maternity Coverage - Can You Afford pregnancy Complications in New York State?

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Twenty five percent of pregnancies will encounter one or more complications. These complications may need you to stop working and take bed rest to safe your condition and the viability of your baby. If you work in New York State you have state short term disability to replace a quantum of your income. This coverage should set your mind at ease; but for most women it provides a false sense of financial security.

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Health Insurance Maternity Coverage

New York has the nation's top cost of living and the top mean revenue to help pay those bills. One would expect the state mandated short term disability assurance plan to supply a correspondingly high level of revenue replacement. But this is not the case. The New York plan replaces 50% of income, up to 0 per week.

This represents 17% revenue exchange for a woman earning ,000 per year - not an extravagant revenue by any measure. Short term disability assurance typically replaces 60% to 70% of income.

While only one of five states with mandated short term disability coverage this weekly cap provides a false sense of security. Women may know that there is a state plan in place, only to find out that the coverage is woefully lacking when they need it most.

Consider the email message recently received in our office from a woman in New York: "I am 12 weeks pregnant and I'm on bed rest because I have a subchorionic hematoma." This poor woman is facing nearly six months of bed rest, followed by a maternity leave to recover from birth and care for her newborn. A subchorionic hematoma is a type of blood clot found in the middle of the fertilization membranes and the wall of the uterus. This occurs in just over 1% of pregnancies.

Consider that she may be facing seven months or more with just 0 per week. Many couples with growing families are living check to check before getting pregnant. If she needed to use infertility treatments to get pregnant, she may have borrowed money to cover some of the costs. She already has enough things on her mind, and the added stress of worrying about how to pay bills can't be good for her health.

Working women in Ny need the state's short term disability coverage more than any other group. They are planning a disability for general labor and delivery - her maternity leave. But as you see, many pregnancies encounter complications, which can mean many months of missed work.

Women in New York should think purchasing a supplemental short term disability assurance procedure before getting pregnant. They can get 70% revenue exchange during maternity leave, and during any time missed due to fertilization complications - rather than relying on the 0 from New York State.

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