Creating a workplace that fosters a supportive and inclusive environment is crucial for employee well-being and overall satisfaction. For expecting employees, the presence of comprehensive maternity coverage is not just a benefit; it’s a testament to an employer’s commitment to the health and happiness of its workforce.

For small business owners, it can be essential to understand the significance of maternity coverage and how it can contribute to a positive workplace culture while supporting the unique needs of expecting employees.

Here we will provide an overview of the benefits and advantages of providing maternity coverage for your company’s workforce.


two lines of ultrasound photos and a stuffed lion on a grey and white knit rug

Nurturing a Supportive Workplace: The Importance of Maternity Coverage for Expecting Employees

It’s necessary to understand that, although small businesses with less than 50 full-time exempt (FTE) employees are not required to offer health coverage, if they choose to do so, maternity coverage will be included in those offerings.

In fact, comprehensive maternity coverage is one of the 10 essential health benefits that every health insurance plan, whether for individuals, families, or small groups, is required to include. The Affordable Care Act (ACA) made health insurance for pregnancy, labor, delivery, and newborn baby care obligatory in 2014. Prior to this legislation, maternity coverage was not assured, with only approximately 12 percent of plans in the individual market offering this benefit, as reported by ObamaCareFacts.com.

The good news for employers is that this component of health coverage provides benefits to both expecting employees and their employers. Let’s look at the primary benefits of maternity coverage.


Health and Well-being of Expecting Employees

Maternity coverage is more than just a perk; it’s an investment in the health and well-being of expecting employees. Comprehensive coverage ensures access to prenatal care, necessary medical procedures, and postnatal care, contributing to a healthier pregnancy and reducing the risk of complications. 

Prioritizing the physical health of expecting employees benefits not only the individuals involved but also contributes to a more robust and resilient workforce.


Attracting and Retaining Talent

In today’s competitive job market, attracting and retaining top talent is a strategic imperative. Offering robust maternity coverage signals to potential employees that the company values family and is committed to supporting employees at every stage of life. For expecting individuals, the availability of comprehensive maternity benefits can be a deciding factor when choosing between potential employers.


Promoting Work-Life Balance

Maternity coverage goes beyond medical aspects; it encompasses policies and benefits that support work-life balance during the crucial period of pregnancy and early parenthood. Flexible work schedules, telecommuting options, and extended parental leave are components that, when coupled with maternity coverage, contribute to a workplace culture that recognizes and accommodates the evolving needs of employees.


Reducing Stress and Improving Mental Health

Pregnancy can be a joyful yet challenging time, and the mental and emotional well-being of expecting employees is just as important as their physical health. Maternity coverage that includes mental health support services, counseling, and resources for managing stress can significantly contribute to reducing the emotional burden on expecting individuals, fostering a healthier work environment.


Compliance with Legal Requirements

In many jurisdictions, providing maternity coverage isn’t just a goodwill gesture; it’s a legal requirement. Employers are often obligated to offer certain maternity benefits, including unpaid leave under the Family and Medical Leave Act (FMLA) in the United States. Ensuring compliance not only avoids legal complications but also reinforces a commitment to ethical business practices and employee rights.


Enhancing Employee Engagement and Loyalty

When employees feel supported during significant life events, such as pregnancy, they are more likely to be engaged and loyal to their employer. A workplace that recognizes and accommodates the needs of expecting individuals fosters a sense of belonging and loyalty. This, in turn, contributes to higher employee retention rates and a positive company culture.


Facilitating a Smooth Return to Work

Comprehensive maternity coverage extends beyond pregnancy to encompass the postnatal period. Supporting employees during their return to work, whether through phased return schedules, lactation support, or childcare assistance, contributes to a smoother transition and demonstrates an ongoing commitment to the well-being of employees as they navigate the challenges of parenthood.


Positive Impact on Company Image

A company’s reputation is shaped not only by the quality of its products or services but also by its treatment of employees. Offering robust maternity coverage sends a positive message to clients, partners, and the broader community. It demonstrates a commitment to social responsibility and a recognition of the diverse needs of the workforce.


a pregnant belly with the mother and father's hands on it

Maternity Coverage as a Benefit and a Way to Support Your Workers

Maternity coverage is a cornerstone of a supportive workplace that values the health, happiness, and life transitions of its employees. Beyond meeting legal obligations, comprehensive maternity benefits contribute to a positive workplace culture, attract and retain top talent, and foster employee loyalty. Small businesses, in particular, can leverage maternity coverage as a competitive advantage in a crowded job market.

By prioritizing the unique needs of expecting employees, businesses not only invest in the present well-being of their workforce but also in the long-term success of the company. As expectations around workplace benefits continue to evolve, maternity coverage stands out as a fundamental component of a workplace that truly cares for its employees at every stage of their lives.


J. C. Lewis: Your Support Resource for Small Group Health Coverage and Benefits

At J. C. Lewis Insurance Services, we bring simplicity and expertise to the world of California and Arizona health insurance. Our licenses and certifications with leading carriers allow us to provide comprehensive coverage to individuals, families, and small businesses throughout each state.

Small business owners face the challenge of offering the right insurance options for their employees, and that’s where we excel. From the initial setup to annual renewals and ongoing maintenance, we specialize in supporting employers every step of the way.

Additionally, we cater to seniors seeking Medicare supplemental and prescription drug plans. Whether your queries involve Small Group Insurance (1-50 Employees), the Small Business Health Options Program (SHOP), or any other employer-related concerns, trust JC Lewis Insurance Services to lead you to the optimal solution.

Your peace of mind is our commitment, and we are devoted to helping you uncover the ideal insurance solution for your specific needs.