When we are younger we see pregnancy only as a natural thing; something that happens when we want it to, goes off without a hitch, and results in a normal labor and delivery, and a healthy baby. But as we get older and we begin to hear the stories of our friends and peers, we discover that the whole process is just not that simple. First off, how many people can we name that have struggled with infertility? Secondly, most of us know at least a handful of women that have had anything but a smooth pregnancy. Finally, labor and delivery may be natural but it’s also fraught with danger. There are so many possible things that could go wrong during delivery.

Most of the time, because of the medical advancements that we have available to us and the state of our healthcare system, women – even those who face a difficult labor and delivery – are fine in the end and wind up delivering completely healthy babies. But in some cases, while the baby is fine, the mother faces a difficult recovery. And this is where expectations can easily go off the tracks.

The truth is that as much as we are emotionally invested in the process of having a baby there are other considerations as well. As much as we do not want to think about finances during such a wonderful time, the fact remains that we all have bills to pay and if the mother is a working woman she has made arrangements to be away from her job for a period of time. If, however, the actual process of labor and delivery renders her disabled for an extended period, private disability insurance can help ensure that finances are not something that anyone has to consider with fear and loathing.

In the next post, we’ll continue to talk about how disability insurance can protect a family following pregnancy and delivery.

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