Can you collect disability insurance while on maternity leave being paid by your employer?

In most cases, no, you cannot collect disability insurance while on maternity leave being paid by your employer. This is because disability insurance is designed to replace your income if you are unable to work due to a disability, and maternity leave is a temporary leave of absence for childbirth or adoption. However, there are some exceptions to this rule.

For example, some employers may offer short-term disability insurance (STD) benefits that cover maternity leave. STD benefits typically replace a percentage of your salary (usually between 50% and 60%) for a limited period of time, such as 6 or 8 weeks. If you are eligible for STD benefits, you may be able to collect them while you are on maternity leave, even if you are also being paid by your employer.

In addition, some states have laws that require employers to provide paid maternity leave. These laws typically require employers to provide a certain amount of unpaid leave, but they may also allow employees to use their sick days or vacation days to supplement their leave. If you are taking unpaid maternity leave, you may be able to collect disability insurance benefits to help cover your lost wages.

To find out if you are eligible for disability insurance while on maternity leave, you should contact your employer or your insurance company.

_Here are some tips for collecting disability insurance while on maternity leave:_

Apply for benefits before your leave begins. The process of applying for disability insurance can take some time, so it is important to start the process as early as possible.

Provide all of the required documentation. The insurance company will need to see proof of your pregnancy and your expected due date. You may also need to provide medical records and a statement from your doctor.

Be prepared for a medical exam. The insurance company may require you to undergo a medical exam to assess your health and determine your eligibility for benefits.

Keep in touch with your insurance company. If you have any questions or concerns about your claim, be sure to contact your insurance company.