--- title: Expecting Moms description: Prioritized financial and insurance must-haves when introducing a new child to your family.  --- [Skip to content](https://momswithbenefits.org/expecting-moms#main-content) [![MWB-Color-Horz-2-1](https://momswithbenefits.org/hs-fs/hubfs/MWB-Color-Horz-2-1.png?width=175&height=63&name=MWB-Color-Horz-2-1.png)](https://momswithbenefits.org/?hsLang=en) - [Home](https://momswithbenefits.org/) - [About](https://momswithbenefits.org/about) - [Financial Stability Tips](https://momswithbenefits.org/expecting-moms) - Resources Show submenu for Resources - [Your Return from Leave Roadmap](https://momswithbenefits.org/return-from-leave) - [8 Tips for Financial Stability in Motherhood E Book](https://momswithbenefits.org/financial-stability-free-ebook) - [The Importance of Life Insurance for Growing Families](https://momswithbenefits.org/life-insurance) - [PERKY Leave](https://momswithbenefits.org/perky-leave) - [Podcast](https://momswithbenefits.org/podcast) Open main navigation Close main navigation - [Home](https://momswithbenefits.org/) - [About](https://momswithbenefits.org/about) - [Financial Stability Tips](https://momswithbenefits.org/expecting-moms) - Resources Show submenu for Resources - [Your Return from Leave Roadmap](https://momswithbenefits.org/return-from-leave) - [8 Tips for Financial Stability in Motherhood E Book](https://momswithbenefits.org/financial-stability-free-ebook) - [The Importance of Life Insurance for Growing Families](https://momswithbenefits.org/life-insurance) - [PERKY Leave](https://momswithbenefits.org/perky-leave) - [Podcast](https://momswithbenefits.org/podcast) # Goal: Financial Stability ### If you're currently expecting, learn your leave options. Here's a free resource for you to learn what you're eligible for. [LEARN YOUR LEAVE](https://www.perkyleave.com/) ### Planning for a child in the future? - ### Don't miss out on hospital indemnity insurance. Anticipating the joy of starting a family in the coming years is an exciting journey, and considering a hospital indemnity plan for you as a birthing mother, if offered by your employer, can be a wise and proactive choice. This type of insurance serves as a financial safety net during pregnancy and childbirth, offering protection against the unforeseen costs associated with hospital stays, medical procedures, and other related expenses. Be sure to look into waiting periods and pre-existing condition clauses so there are no surprises. - ### Prepare for the financial impact. It's no secret that kids are expensive, but if you're in the midst of planning, be sure to include a financial plan.   ### Currently expecting a child? - ### Prep for your family bonding leave Learn and leverage **ALL** your options when it comes to leave.  As a first step, we love sending people to perkyleave.com to learn the basics of leave. It's important to understand where your leave time is coming from (state, federal, employer) and what it's protecting (income, job). If you have a partner, they need to know what they are entitled to too.  ### Just welcomed a child? - ### Add your new child to your medical plan ***\*Within 30 days of birth *** This task is super important - and time-sensitive. Your new child needs medical coverage, and it’s up to you to work with your employer to ensure they are added within the time frame requirements. - ### Protect your family with life insurance ***\*Within 90 days of birth*** If you don’t have any life insurance today, we believe this should be one of your highest priorities. If you do have some life insurance, it’s important to reevaluate your coverage amount to include things like future college tuition costs and other financial protections for your new child. Life Insurance is typically available through your employer, as well as through recommendations from your financial advisor. Oftentimes, it’s most beneficial to get a combination of policies that are available to you. - ### Update or create your will ***\*Within 180 days of birth*** Especially if this is your first child, this legal protection for your family is essential. Set you and your family up for success by working with a financial advisor or online Will Service to get your will in place today. ### Kids are getting older? - ### Accident coverage is your child's new BFF. Accidental injuries are plentiful as kids are learning how to be safe in the world. Bike crashes, sports injuries, random breaks and bruises... this is where accident insurance comes in. Accident coverage is available to buy whenever you want, but you should check if your employers benefit package offers it first as it will likely be cheaper.  - ### Critical illness coverage can give parents peace of mind. Critical illness is a good resource if you are concerned about your future health as a parent. If you come down with a serious condition, this insurance helps with financial stability. Critical illness coverage is available to buy whenever you want, but you should check if your employers benefit package offers it first as it will likely be cheaper.  ### FOLLOW US ON INSTAGRAM [Follow us on Instagram](https://www.instagram.com/momswithbenefitsorg/) ### LISTEN TO OUR PODCAST [Follow us on Instagram](https://podcasts.apple.com/us/podcast/moms-with-benefits/id1726245198) [Follow us on Instagram](https://open.spotify.com/show/54NJJJJYEVvTfwjBC3ouIS) While we are passionate about benefits, Moms With Benefits is not an accredited financial institution, financial advisor, attorney, accountant, insurance carrier, or licensed party. This is not financial advice, investing advice, legal advice, insurance advice or tax advice. This information is for informational and recreational purposes only. Investment products discussed are for illustrative purposes only. It is not a recommendation to buy, sell, or otherwise transact in any of the products mentioned. Do your own due diligence. Past performance does not guarantee future returns. Moms with Benefits is proudly owned by ©[PERKY](https://www.perkyleave.com/) © 2026 Perspective Partners, LLC. All rights reserved. PERKY is a trademark of Perspective Partners, LLC. --- [Terms of Use](https://momswithbenefits.org/terms-of-use/?hsLang=en) [Privacy Policy](https://momswithbenefits.org/privacy-policy/?hsLang=en)