In this video, Luke addresses the question of whether health insurance covers maternity leave:
- No federal law in the United States mandates paid family or medical leave.
- Some states have passed paid family and medical leave laws, but it’s not a federal requirement.
- Paid maternity leave or other paid time off (PTO) is typically not directly related to your health insurance plan.
- Unpaid leave is provided federally by the Family and Medical Leave Act (FMLA), which protects your job for up to 12 weeks during maternity leave but does not provide income replacement.
- Short-term disability insurance (STD) is often used to replace lost income during maternity leave, and many companies offer STD coverage. However, STD is a separate type of insurance from health insurance.
- The video advises individuals planning to have a child to discuss maternity leave options and policies with their employer to navigate the complexities of maternity leave effectively.
