Post # 1
How does short term disability work for maternity leave? Do you need to have STD before getting pregnant? Or can you sign up for a policy after you know?
Can anyone explain the process to me? I work with very few women, and those women, I don’t want to share that I am TTC yet.
Our policy is, I can take up to 12 weeks of unpaid leave. Or I can use sick time for actual incapacitated time (I assume this means during the delivery and recovery) and then annual leave to cover my other time off.
But if I don’t have to use annual leave or only minimal annual leave that would be great.
Thanks for any insight on how this process works.
Post # 3
This varies SO much from company to company. I would talk to your HR department.
Post # 4
I am not in HR, but my understanding – at least how it works for me – is that you need to take out STD ahead of time, and for us, it’s at open enrollment. You cannot take it out after the fact. So, if you worked for my employer you cannot take it out once you find out you are pregnant; it would be too late.
For most employers, you have to use your sick/vacation time first before any STD kicks in anyway.
Post # 5
@ajillity81: Not only does it vary company by company, it also varies according to legistlation where you live.
Post # 6
- Wedding: March 2012 - Pelican Grand Beach Resort
@ajillity81: You need to talk to your HR department.
Post # 7
@ajillity81: you need to check with your company. My company has short term disability (not something I pay into) and it pays 60% of my pay for 8 weeks since I’m having a c section.
Post # 8
@oneofthesethings: @SnowInApril: @julies1949:
thanks for the feedback. i will see if i can find someone to ask tomorrow.
i don’t know that i’d go through my work insurance anyway. a friend of mine has Aflac as seconary insurance. I know they have a policy for STD.
i’ll have to see what info i can find out. i wish i worked with more women.
Post # 9
@ajillity81: Talk to HR, but this is how my company’s STD works:
-All full-time employees in my company automatically receive STD, but most require that you elect into STD before becoming pregnant
-There is a two week period starting the day you deliver before STD kicks in (or, in my case, I was put on bedrest, so two weeks starting the day I was officially out of work.) During those two weeks I was able to use sick time, vacation, or go unpaid. I saved all my sick time so I used that.
-Once STD kicks in, it’s 6 weeks for a vaginal birth or 8 weeks for a cesarean. I had a scheduled cesarean, so I had 8 weeks paid.
-I received 100% of pay for 6 weeks, 80% for 3, then 60% for the remaining. I had a total of 12 weeks on STD plus the 2 weeks prior off for maternity leave. 5 ish of those weeks were on bedrest.
-All of this leave was also under FMLA, but that is of course unpaid. It’s just what formally kept my job secure while on leave.
Post # 10
@ajillity81: Do you already have STD through your employer? Most people do but they might not know about it, so I’d find out.
If you do, you get 6 weeks for a vaginal delivery and 8 for a c-section. The policies really vary though. Mine pays out 60% of my salary and starts 1 week after the baby is born. Some require you to use all your PTO first, others don’t. Also, at this time, your employer cannot take out any of the usual contributions from your paycheck (e.g., 401k, health insurance, etc.) since you’ll be getting a check through the STD company, not a pay check.
There are private policies (e.g., Aflac) you can purchase, but you would have had to do that typically 10-12 months before baby is due.
Post # 11
thank you, thank you. this is the info that i was looking for.
i don’t think i have STD through my company but i will find out, i am a federal employee.
Post # 12
So I think by now you’ve gathered that everyone’s policy is different! Mine is sort of similar to @FloridaGatorBride: with a few key differences:
1. One week waiting period from when you go out on disability (labor, bedrest, etc.)
2. 85% of pay for the entire 6 or 8 weeks
3. Can supplement the waiting period, the 15% remaining pay, or the remaining FMLA time with sick, vacation, or personal time.
Post # 13
@ajillity81: Aflac’s STD insurance has to be in effect for 10 months before you deliver – so you need to take the policy out before you start TTC. At least, that’s what the rep. told me when I was signing up for Aflac plans.
Post # 14
@ajillity81: Boy, I’d think you’d have STD through your workplace as a fed.
At my company, you have a 75% STD (you’re paid 75% of your base salary during your STD period) policy as part of your standard benefits. Then during open enrollment you have the option of upgrading to a 100% reimbursement STD plan. I have a friend who did this when she planned to get pregnant, and it worked well for her.
Post # 15
It’s important to remember that it varies by company policy and state legislature. Your best bet is to look at your company handbook and look up STD in your state.
Post # 16
I believe you have to be enrolled in short term disability before you are pregnant in order to receive the benefits.
I get six weeks paid, but am able to take a total of 16 weeks off. Fortunately I will get my full salary, because I have just enough vacation and sick time to get me to four months.