Alabama does not have state short term disability. Many private short term disability programs are employee paid, meaning there are no direct costs for your employer to allow you the option.
yes
No. Pregnancy is normally covered as any other disability, if the short term policy is taken BEFORE you are pregnant. If you are currently pregnant and get a new short term or long term disability policy, the current pregnancy will be excluded. If you have complications of pregnancy, and get a new policy, the future pregnancies may also be excluded. It's best to get coverage for short term disability and/or long term disability while you're healthy (and young) since the premiums would be much lower, and you'll have the protection for when you'll need it most. If you're already disabled or sick it's too late to get coverage for that specific disability, but you can still cover other injuries or illnesses. Talk to a good agent who can help you through this process.
Being pregnant is not a short term disability issue and definitely was not caused by a work place incident.
Short term disability pay benefits if you are unable to work at your full time occupation. It does not prevent you from attending class.
Being pregnant by itself does not constitute a disability. If you suffer from one or more complications of pregnancy and your doctor orders you to stay home from work, then short term disability will cover that disability. If your occupation has many physical demands, and your healthy pregnancy prevents you from performing your job duties, then short term disability may pay a benefit. Check your policy for specific language.
should you tell your adjuster you are going on vacation while on short term disability
yes you do have to file state disability in order to get short term disability.
Your employer could pay you if they wanted to, but it's probably not a smart business move because it sets a precedent. Employment laws require employers to treat all employees equally. If you get paid while on pregnancy disability, all other employees would need to be paid if they were sick or hurt.
Missouri does not have a mandated short term disability program. Your best bet is to apply preconception for individual short term disability insurance. Your maternity leave will be a covered benefit.
Yes it is!
Short term disability will cover your maternity leave if you purchased a policy before getting pregnant. Social security disability will not cover maternity leave, nor will most long term disability policies.