What is the name of your state? NC
My husband and I are in the process of adopting a child from Vietnam (waiting for a referral). I am looking for some answers about disability insurance and adoption coverage. Many of my colleagues purchase disability insurance coverage in case they get pregnant. The coverage helps to pay the bills while out on maternity leave. Our disability insurance is handled by Wellington Benefits, there coverage is with American Fidelity. I have been told by Wellington Benefits that disability insurance would not cover me when the rest of our adoption process is complete. I was told that because I would not be physically disabled the coverage would not count. I need to know if this practice is discriminatory or not. There are hundreds of people who choose to create their families through adoption because of infertility or feeling that adoption is the best for their family. I feel that they are saying that adoption is not an "acceptable" way to create my family. This practice also makes me feel that disability insurance companies are "punishing" people who are not able to have birth children. Is there any way to get around this or to force coverage?
My husband and I are in the process of adopting a child from Vietnam (waiting for a referral). I am looking for some answers about disability insurance and adoption coverage. Many of my colleagues purchase disability insurance coverage in case they get pregnant. The coverage helps to pay the bills while out on maternity leave. Our disability insurance is handled by Wellington Benefits, there coverage is with American Fidelity. I have been told by Wellington Benefits that disability insurance would not cover me when the rest of our adoption process is complete. I was told that because I would not be physically disabled the coverage would not count. I need to know if this practice is discriminatory or not. There are hundreds of people who choose to create their families through adoption because of infertility or feeling that adoption is the best for their family. I feel that they are saying that adoption is not an "acceptable" way to create my family. This practice also makes me feel that disability insurance companies are "punishing" people who are not able to have birth children. Is there any way to get around this or to force coverage?