My husband and I are trying to conceive. Should I get disability insurance in case my pregancy is not smooth?

Question

I am 36, and I am being told by many people to take out disability insurance just in case I need extra time off before the baby is born---people are saying --"Get insurance before you get pregnant!"

Answer 1

I would suggest you use yellowpages.com to search for disability insurance brokers in your area.

Don't call your auto and home agent they specialize in property and causality insurance. You need someone that specializes in disability insurance. These areas of insurance even require separate licenses.

A Broker represents multiple carriers and can help you sort through all the different insurance companies and plan options in your state.

The largest disability carrier is Unum. http://www.unum.com/

I would also suggest you approach your employer about group disability. I have sold many small business owners group DI for less than it would have cost the owner to buy his own DI policy.

Keep in mind many carriers will require the policy to be in effect 6 to 9 months before conception.

Answer 2

Yes, you should.  I got short term disability through my employer and when I had my kids, it supplemented my pay during my 12 weeks of FMLA.  

The insurance will make sure you have some kind of income coming in either before or after the birth of your new baby.  

Best of luck!