Long term disability insurance typically does not cover pregnancy. Pregnancy is considered a normal, expected event and is often excluded from coverage under disability insurance policies. Disability insurance is designed to provide income replacement in the event of an illness or injury that prevents you from working. While pregnancy may result in temporary disability, it is generally not considered a qualifying condition for long term disability benefits.
However, it's important to note that some disability insurance policies may offer limited coverage for complications related to pregnancy, such as complications that arise during childbirth or recovery. These policies may provide benefits for a specific period of time, such as six weeks postpartum. It's best to review the specific terms and conditions of your disability insurance policy to understand what coverage, if any, is available for pregnancy-related issues.
If you are planning to have a child and are concerned about income protection during pregnancy and maternity leave, you may want to consider other types of insurance, such as short term disability insurance or maternity leave insurance. These policies are specifically designed to provide income replacement during pregnancy and maternity leave.
It's always recommended to consult with an insurance professional or review the terms of your specific policy to understand the coverage and exclusions related to pregnancy under your long term disability insurance policy. They can provide personalized guidance based on your individual circumstances and policy details.
I hope this information helps! Let me know if you have any other questions.