Post # 1
I’m planning on asking my employer this as well, but figured that extra advice would be helpful. FI and I are planning on TTC shortly after getting married in 1 month. I am not 100% sure but I think I would like to stay home with the baby for about 1 year. My work benefits are 6 weeks paid, up to 12 weeks unpaid. I work as a retail manager so while this means I’ll be forfeiting my job, I’m pretty confidant they’ll want to hire me back when I’m ready, even if it’s a different store.
would supplemental insurance be helpful here? Someone told me that they will continue to pay you a percentage of your salary for some amount of time. Is that true if you just decide to stay home with a baby or do you need to be considered medically unable to work?
Post # 2
It depends on your state and whether your employer offers coverage. It sounds like you are thinking of short term or long term disability. For either of those, yes, they are based on medical necessity, not just deciding to stay home.
If your employer does not offer these, you can sometimes buy them privately. But I have been trying to get private short term disability and learning that in my state (Massachusetts), you essentially cannot buy it outside of your employer, at least not to cover maternity leave.
Post # 3
Thanks for confirming this. I kind of thought that it wouldn’t be beneficial unless there were serious medical issues.
Post # 4
missadventure85: You can get covered for Medical Insurance under COBRA (in the US) but you have to pay the full amount of the coverage (which can be very expensive) for up to 18 months.
As for short term diability, you can look into AFFLAC and other coompanies, but it will only cover you if you are home for medical reasons. It may be you want to look at if your employer doesnt cover your 6 weeks at 100%.
Post # 5
It you are asking to find health insurance while not employed….. Healthcare.gov. It will be half the cost of cobra and better coverage (I know from experience).
if asking about something that will pay you to be a SAHM for a year… To my knowledge no such thing exists in the US and I’m sure if it did it would be talked about every week on this board. Other countries I can be no help with.