Post # 1
My cpmpany offers 66 2/3 STD for $180.00 a year. We are strongly considering trying for a baby in the next few months and I’m wondering if this is something I should purchase (currently in open enrollment). I automatically get 50% but I don’t know that I really understand that. I just got done with a meeting with our benefits manager and to put it blunty she’s an f-ing idiot…I don’t want to discuss with others in my company or family because I don’t want them to know we’re thinking about a baby.
Any Advice? Did you change any of your insurance elections prior to having a baby?
Post # 3
@MrsPinkPeony: YES. Do it. Even if you don’t have a baby you should do it. If you needed to be out for whatever reason, 66 2/3% pay is better thatn 50% pay.
I’m 30 weeks pregnant and don’t qualify for STD with my job so I say take as much as you can get!!
Post # 4
@Kalamaz17: thanks – I was thinking better safe but when I spoke to our benefits lady she made it sound like it was not a good idea because we get paid maternity leave but we absolutely do not and I think she was confusing that with PTO – so once again her being stupid at her job is just confusing me.
Post # 5
@MrsPinkPeony: if your job is like my job (i only don’t qualify b/c i’m part time) we have to use our PTO for the first week, then go to STD for 6 weeks, then LTD for the remaining 5 weeks, assuming you’ll be using your 12 weeks FMLA. Do you have LTD coverage with your job as well?
Post # 6
@MrsPinkPeony: Definitely take advantage of that percentage! I’m lucky enough to get 75% pay… and if my hire date had been 6 months earlier (will be here 5 years in June 13) it would have been 90%! We are also self insured for STD, so our percentages may be a little higher. Every little bit helps!! 🙂
I also have to use 1 week of PTO time… then the STD kicks in. I also have to pay my full $ amount of health benefits while I’m out too. Thank God we have a savings account!
My advice is to go for it… get that extra 16 2/3 percent! 🙂
Post # 7
Take it, if for any reason you have a diffucult pregnancy and have to do bed rest for months or weeks you would not need to worry about paying the bills. Also if you need any other surgeries or accidents it would come in handy. You never know if you take a bad fall and need time off.
Ive used mine for three surgeries and i got 100% of my pay.I know mine allows you to take up to 6 months for maternity. I recommend you get this.
Post # 8
Yes, I would suggest to get it, because short term disability covers a myriad of things, not just pregnancy. My job doesn’t pay into state disability so I don’t get to claim it when I go on maternity leave so a few years ago, I had to get a separate short term disability through AFLAC, which I have to pay into every month and it’s a pretty big chunk of change since it’s private insurance. Your $180/year sounds like a great deal so take advatage of it!
I should also mention that while I would be covered under FMLA for 12 weeks, whatever time off I take would be unpaid if I exhaust all my vacation and illness time while on leave. FMLA only protects the employees in their positions, but it wouldn’t guarantee a paycheck. It really depends on the company and how much paid time off is offered.