Question
If I don't return to work after I give birth, do I need to pay back any money to Unum (after my maternity leave)?
I have Unum thru my employer and used it in 2011 for short term disability due to pregnancy. I am now pregnant again and will be taking 6 weeks of maternity leave and using short term disability again. The only difference is I may not return back to work after this baby. If I don’t, do I need to pay back any money? I’ve had my job for almost 5 years.
Answer
Tiffany, Short term disability acts as income replacement due to your inability to work. If you meet the definition of disability contained in your policy, then you are entitled to the benefit. You would not have to refund any money paid by Unum if you are unable to return to work following your pregnancy. Please note that if you are going to be out of work indefinitely following the pregnancy as a result of a medical condition then you should also look into any long term disability coverage you may have with your employer.
