Due Date Maternity
Due Date Maternity
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 Take Nine Maternity Pink and Black Checked Button Front Large PREOWNED  US $2.99
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 Motherhood Maternity Swimsuit US $14.51
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 New Maternity Cropped Blue Denim Jean Capri Pants Size Large US $12.99
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 New Maternity Blouse XL Long Tall Summer Career Top Button Down Shirt US $12.99
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 New Maternity Cropped Jean Blue Denim Capri Pants Size 18 NWT US $12.99
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 MOTHERHOOD Maternity Womens Black Stretch Knit Sleeveless Dress Sz L US $8.99
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 MOTHERHOOD Maternity Womens Black with Swirl Print Sleeveless Maxi Dress Sz S US $8.99
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 $74 NOM Womens Maternity Jasmine Ruffle Tunic Shirt Plum Medium US $37.99
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 MATERNITY LIZ LANGE REAL WAIST STRETCH STRAIGHT LEG JEANS SIZE S4 6 SHORT US $5.99
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 Maternity Blouse Long Sleave Many Colours S M L XL 8 14 Very Soft Pregnancy US $11.05
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 IN DUE TIME WOMENS BEADED SHORT SLEEVE MATERNITY TOP M FREE SHIPPING US $6.50
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 Ripe Maternity Made in Australia Abstract Heart Print Wrap Dress Size Medium US $9.99
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 Fishermans Pants Capri Length Wrap Shorts Chinese Zen Dark Purple sz XL US $23.54
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 Plain Thicker Cotton Thai Fisherman Pants Bondi Blue US $24.00
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 Pale Cream 100 Cotton Thailand Fishermans Pants Yoga Tall US $24.93
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 Cotton Samurai Wrap Pants Golden Rod Tiger Script US $25.39
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 Plain Thicker Cotton Thai Fisherman Pants in Purple US $23.08
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 Baby on Board Maternity T Shirt Tee Shirt Humour Adult Ladies Makes a funny gift US $15.99
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 NWT LIZ LANGE KHAKI MATERNITY SHORTS SZ L US $9.99
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 Black Heavy 100 Thai CottonThailand Fishermans Pants size XL Long Leg US $26.77
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 Maternity Top Shirt Blouse DUE DATE Velvet Like Long Sleeve Burgundy Medium US $8.50
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 Thai Cotton Fishermans Pants with Double Polished Shell Button Pocket Black US $24.00
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 $23599 James Jeans Womens Twiggy Maternity 5 Pocket Legging W Troy 27 US $65.99
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 Fortune Art Black Cotton Asian Fishermans Pants US $24.00
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 Maternity lot clothes US $45.00
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 NWT LIZ LANGE MATERNITY SWIM SKIRT SWIMSUIT BOTTOM SZ XXL US $11.99
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 NEW VIGOSS Secret Under Belly Slim Fit Maternity Jeans size 31 or Large L US $79.99
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 NEW VIGOSS Secret Under Belly Slim Fit Maternity Jeans size 28 XS US $79.99
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 NEW EX LEADING BRAND MATERNITY NURSING FEEDING BLACK BRA 36E US $11.05
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 Rock Republic Maternity Jeans Pea in Pod sz 27 EUC M US $29.99
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 Rock Republic Maternity Jeans Pea in Pod sz 29 EUC L US $29.99
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 Seven Mankind Maternity Jeans Pea in a Pod sz 26 EUC US $29.99
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 Paige Premium Denim Womens Maternity Laurel CanyonCottonwood Creek30 US $99.99
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 Cotton Samurai Wrap Pants Black Dark Red Flame Dragon US $25.39
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 Dark Blue Heavy Cotton Thailand Fishermans Pants US $23.54
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 Monk Orange Heavy Cotton Thailand Fisherman Pants szXXL US $27.70
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 OLD NAVY MATERNITY Stretchy Solid Black Tab Sleeve Full Wrap Spring Dress Size M US $18.00
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 Dark Blue Thai Silk Strip Heavy Thai Fishermans Pants US $32.63
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 Thai Cotton Funky Stitch Fisherman Pants Red Violet US $24.00
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 BELLY BASICS PURPLE SMALL SHIRT MATERNITY NWT $70 US $29.99
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 BELLY BASICS GREEN SZ XS SHIRT MATERNITY NWT $70 US $29.99
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 BELLY BASICS Bb YELLOW MATERNITY SHIRT SZ P NWT US $19.99
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 MOTHERHOOD Maternity Pastel Paisley Bohemian Boho Mod Retro Maxi Dress Sz SM US $23.50
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 NWT GAP Maternity size 2 Dip Dyed SKIRT green $64 cute style US $7.99
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 BELLY BASICS NAVY SHIRT MATERNITY SZ LARGE NWT $62 US $39.99
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 OLD NAVY MATERNITY LOW RISE PANEL PANTS SMALL KHAKI US $24.99
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 GAP MATERNITY WOMENS TANK TOP SIZE SMALL NWOT US $14.99
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 BELLY BASICS GREEN SHIRT MATERNITY MEDIUM NWT $70 US $24.99
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 BELLY BASICS TUNIC SHIRT MATERNITY SZ M NWT $96 US $49.99
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 Three Seasons Maternity Dress Size Small black and white Very flattering US $20.00
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 Nice pair of dressy Maternity pants size Medium US $5.99
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 Denim Maternity Jeans size Large US $6.99
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 Denim maternity jeans size LARGE US $5.99
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 Denim Maternity jeans size Petite Large US $6.99
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 Maternity Dress Pants size Petite Large US $7.99
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 Maternity shirt size MEDIUM US $5.99
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 Maternity shirt Black size LARGE US $5.99
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 Maternity pants size LARGE DRESSY US $6.99
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 One purple one black Maternity T shirts size medium large US $8.99
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 RED Maternity shirt size LARGE US $3.99
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 Black Maternity Dress Size Large L Due Date US $6.75
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 Size Large Floral Summer Maternity Dress US $9.50
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 Motherhood Maternity SECRET FIT BELLY Jeans Capris Crop Pants Denim Medium M US $16.00
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 NOPPIES MATERNITY A PEA IN THE POD Size XL EUC Black Tiered Crochet Skirt US $9.99
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 $110 Maternal America Womens California Skinny Jeans Dark Wash X Large US $48.99
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 5918 Smock Bust DESIGNER Maternity shirt Tank Top Large US $19.99
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 5943 DESIGNER Frill Neckline Maternity Dress Pink XL US $35.00
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 6111 DESIGNER Ultra Soft Knit Blue Maternity Dress S US $49.95
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 5923 Light Gray Tie Neckline Maternity Trapeze Shirt XS US $19.99
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 Due Date Maternity Jean Shorts Extra Small US $7.99
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 5675 ChiffonBottom Stunning Maternity Sundress Dress XS US $59.00
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 5682 Designer Maternity Open Sleeve Sundress Dress XL US $55.00
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 Due Date Maternity 3 4 Sleeve Black W Flowers Empire Waist Shirt Misses Small US $3.99
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 1626 Beautiful Print Full Length Maxi Maternity Dress S US $34.00
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 Ladies Mothercare Denim Maternity Skirt Size 16 US $3.15
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 MATERNITY OLD NAVY LOW RISE STRETCH DISTRESSED BOOT CUT JEANS SIZE 10 US $5.99
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 MATERNITY LIZ LANGE LOW RISE STRETCH DISTRESSED FLARE LEG JEANS SIZE 14 US $5.99
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 Maternity Anti Radiation Dress US $50.00
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 Maternity Anti Radiation Dress Jumper Skirt Gilet Size S M L US $50.00
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 CHICOS PLATINUM MATERNITY | STRETCH WOMENS BLACK JEANS SIZE 15 | L29 US $17.99
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Maternity Leave Pay - Replace Your Income Even if Your Employer Does not Offer Pregancy Benefits
Your health and ability to work may be your most important asset. Most people buy their house and their car using financing: mortgages and/or car loans and leases. They plan to pay for these necessities over time - from future income. You insure your house, your life, and your car, wouldn't it make sense to insure the asset that makes it all happen - your paycheck?
Short-term disability provides important income protection should you have an accident, or develop an illness and were unable to work. Statistics show that you are much more likely to be injured in an accident than to die from one. Advances in medicine are allowing us to live longer. However, recovery from a serious illness often requires time away from work. Short-term disability can replace up to 70% of your income should you become disabled. Benefits can begin as quickly as within seven days for an illness, and with no waiting period for an accident. Benefits can last as long as two years.
Create Maternity Leave Pay
Workingwomen who are planning a pregnancy have an extra incentive to buy this valuable coverage: they are planning to use the benefit, and will likely generate maternity leave income that far surpasses the premium cost. Short-term disability pays a six-week benefit for a vaginal delivery, and an eight-week benefit for a c-section delivery, less the elimination period. Benefits may be extended if delivery complications require an extended time away from work.
Apply preconception to lock in your short-term disability benefit for maternity leave, with at least a three-month buffer in case of premature birth. Most short-term disability policies contain an exclusion for normal delivery within the first nine months of the policy effective date. By applying several months before conception, your delivery will likely fall outside the exclusion period, even if your pregnancy does not go full term.
Coverage for High Risk Pregnancies
Each year almost 25% of expectant mothers will have one or more complications of pregnancy. Many women will need to leave work weeks or months in advance of their due date. Others may miss work when they suffer a miscarriage. Short-term disability plans provide income protection for these circumstances, which becomes especially important for high-risk pregnancies.
Ask your Employer
Short-term disability with pregnancy and maternity leave benefits are only available through your employer. Your opportunity for a positive return on your maternity leave income is a loss for the insurance carrier. Insurers are willing to absorb losses on pregnancy and maternity leave policies, provided they have the opportunity to market other policies to your co-workers.
It's easy to get your employer on board, even if they don't offer such a program now. There is no direct cost to your employer, as you pay the premium. Your employer simply needs to deduct the premium from your paycheck, and forward the money to the insurance carrier once a month. The policies are portable. If you separate from your employer, you can keep the policy at the same rate. You own the policy.
Contact a local agent specializing in voluntary employee benefit programs. The agent can speak to your employer, and provide you the opportunity to pay for this coverage through payroll deduction.
About the Author
Kevin's background combines database marketing with voluntary employee benefits to uniquely serve a population with very specific needs: growing families.
Growing families face the challenge of financing the extra expenses of new mouths to feed, paying for additional health care costs, while overcoming the loss of mom's income.
Kevin combines Flexible Spending Accounts, Short Term Disability Insurance, and Hospital Indemnity Insurance to cut costs, generate maternity leave income, and protect against the unexpected.
Kevin Haney is a licensed insurance agent specializing in Short Term Disability for Pregnancy and Maternity Leave.
Find a variety of ways to leverage voluntary employee benefit programs to cut costs, generate maternity leave income, and protect your growing family by visiting GrowingFamilyBenefits.com