Post # 1
I have had several people advise me to get Disability insurance so I will have it when I go on unpaid maternity leave in the future. So I guess I would essentially be getting paid by disability during my time off? I don’t like the idea of having extra money taken out of my paycheck each month but it sounds like it could be more beneficial than anything. I work in a public school and one of my coworkers told me that when she had her baby in early June, she started receiving disability on top of her monthly check (because she hadn’t yet taken maternity leave yet since we were on summer vacation). Could someone please explain the pros and cons of this to me in layman’s terms? I cannot do another benefit enrollment until December and am hoping to be pregnant before then…would I still be eligible since I would possibly have a “pre-existing condition.” All this adult stuff confuses me! Thanks!
Post # 2
How much does disability cost vs how much do you get paid? Yes, basically it’s so you will be paid up to 6 weeks when you’re out work. Unless it cost an arm and a leg, it’s worth it. Like for me, I get 75% paid for STD (short term disability), and pay $130 a year to get 100% coverage. 25% of my pay for 6 weeks is a ton more than $130 so yes, it’s certainly worth it even though I’ve paid it now for 3 years and have yet to use it… still worth it.
Post # 3
My employer covers disability, but if I didn’t have it I would have no maternity leave at all. I didn’t qualify for FMLA, so I would just have sick and vacation time, I guess. Disability paid 60% of my salary for the 9 weeks I was out on it (week before in hospital, 8 after for c-section recovery). FMLA, if you’re eligible, is unpaid, only protects your job.
Post # 3
Are you talking about buying supplemental disability? If so that cost me only $4 every two weeks and covered up to $3500. I honesty don’t remember which company it was through, it was set up with my employer. I had to pay into it for six months before it could be used, but I quit so I never got the chance, but that was my plan.
some states allow you to claim disability if your employer does not offer paid leave. It’s not much, NY max is $170, but it beats nothing. You can collect the supplemental and state together. You can start getting paid if your doctor writes you out early, and up to the typical 6/8 week max Post delivery.
if you check with your HR dept or union rep they should know if your state offers it and help you apply.
Post # 5
Thank you ladies for replying!
pinkshoes: So it only pays for 6 weeks? I can’t find anywhere in the information where it says how long it will pay for but since maternity leave is 12 weeks, I was hoping it would pay for the full 3 months. Or is that not how it works?
smoocheepoo: Yes, buying supplemental disability. My employer does not cover like almostmrsj: does! But they offer it through a “Third Party Administrator” who administers additional insurance programs.
I just got some info on the disability through my employer:
- Pays up to 70% of your gross monthly salary
- Pregnancy is covered
- Pre-existing conditions are limited to a one-month benefit per year for claims submitted during the first 2 years of coverage
- Existing insured can increase their monthly disability benefit up to an additional $400, salary permitting, without answering medical questions
- New employees can enroll for up to a $4,000 monthly disability benefit, without answering medical questions
- Plan I: On the 15th day of Disability ($75.60 a month)
- Plan II: On the 31st day of Disability ($60.75 a month)
- Plan III: On the 61st day of Disability ($51.30 a month)
- Plan IV: On the 91st day of Disability ($43.20 a month)
- Plan V: On the 151st day of Disability ($32.40 a month)
Based on my salary, it is a $2700 monthly benefit. It says employees can enroll in a $4000 monthy benefit…does that entail paying more out of your paycheck each month?
So it is best to go with Plan I right?
Am I playing out this scenario out correctly? Say I go with Plan I starting in December 2015 and have a June 2016 baby. I will have paid $831.60 for disability from December 2015 to October 2016 (when I would return from 12 weeks of maternity leave since I am already off in the summers). I will then have been paid $8100 in disability after the 12 weeks is up. Is this right? I would also technically be getting my regular pay during the summer months on top of the disability since I will not have started my maternity leave until I am supposed to return to work? Or do I have to wait to pull disability until I take maternity?
Post # 6
I believe short term disability only covers 6 weeks max, but maybe I’m cnofused and you’re not talking about short term. The 12 week number only comes from FMLA requiring your employer to hold your job for 3 months and has nothign to do with getting paid. If there was no STD coverage, we wouldn’t even get a dime for maternity leave.. but STD And FMLA are two totally different things. I’m not sure what youre plan covers for disability, try to find a time frame on that… does it cover the entire time you’re out?
If you’re getting your regular pay during your time off, you wont get disability. Disability is to cover when you’re not at work and would not be paid. If you already get summers off, you won’t get to double dip and get paid AND disability for time off just cause you’re not working already. If you had a baby in say Sept and had to take time off fro work that you would not get paid for, that is when you would get disability payments.
Post # 7
PM if you have specific questions. I am very familiar with it since I used to work for a health care broker/ HR manager. 🙂
Post # 8
If you are “technically” getting your regular pay during the summer months you won’t get disability on top of that. Disability is to replace income/part of your income when you cannot work and are not receiving an income. If you are receiving income in the summer (or being paid for the summer in advance), then you are not missing out an income so, no disability payments.
And yes, I imagine that enrolling for $4,000/month versus the $2,700/month (which I assume is 70% of your salary) would mean a higher premium as they are not going to give more for nothing, but they will still not pay more than 100% of your income per month – so check to see if it makes sense for you to pay for that extra.
Post # 9
I work in short- term disability for a well known insurance carrier.
STD pays a percentage of your normal pay while you are out of work recovering from an illness/accident (also maternity). It normally only covers the recovery time and not any additional “baby bonding time” which is usually 6-8 weeks. It could be longer but it may require doctor support. Also many policies have a waiting period in which benefits do not start (usually 7-14 days depending on policy) so in fact if you are approved 6 weeks, 7 off the days aren’t paid so benefits would only really be 5 weeks 1 day.
Now FMLA (family medical leave of absence) is not a benefit that one elects into rather it is a law by federal government which offers up to 12 weeks of unpaid job protection that runs concurrent with STD. In your case FMLA would start the first day you miss from work and covers you through your return to work date (up to 12 weeks). If disability only covers 6 weeks (including waiting period) then the remaining 6 weeks would go as FMLA only- not paid. Your employer may use your own personal or accrued time to compensate you while you are out or it would just go unpaid.
Oh i forgot to mention, that STD usually only covers a percentage although some do cover 100% of your pay. If you have enough accrued time to pay you the whole time you are out then you do not need to file STD.
STD is optional while FMLA is mandated for job protection. Hope this helps some
Congrats on the pregnancy
Post # 10
For pre-existing condition, the “look back” period depends on the policy which is usually 3 months. So, the insurance carrier would want medical records looking back 3 months from the date you signed up for benefits to determine if you were pregnant before enrolling.
Post # 11
MissB2MrsO: Everyone here is spot on, so I will just tell you what my STD policy is like.
I get 60% of my monthly pay for 6 weeks for vaginal delivery, and 8 weeks for C-section. My “elimination period” or when I’ll receive my first check is after the 7th day of my maternity leave. I pay $36.40 out of each check for this (which seems high compared to others here!)
My policy also states that “Disability benefits for childbirth will be payable only after this policy has been in force nine months,” so I could not have been pregnant when I enrolled or delivered within the first nine months the policy was active.
Post # 12
Sounds like everyone has good advice. There are a handful of states that have laws about paid maternity leave. It also tends to be very limited, meaning you won’t get your full salaray, but anything is better than zero. If you live in one of the places on the map with a color or a dot, you don’t *have* to buy additional insurance. Something is most likely already being taken out of your paycheck by law. But additional insurance may still be a smart option for you even in those states. The benefits may still outweigh the costs.
Post # 13
pinkshoes: nycaribbeanpeach: Thanks for your replies, they really help! The disability I can enroll in is Long Term Disability Insurance. I just found where it says “Your coverage may be continued up to one year during a Leave of Absence approved in writing by your Employer.” So maybe it will pay for the full 3 months? I will ask the advisor when they come in December.
RayKay: Not getting paid by disability during the summer while I’m getting my regular paycheck makes plenty of sense to me. I swear one of my coworkers said she got both checks during the summer when she went on maternity leave about five years ago…but I just couldn’t understand how that was possible. Maybe I misunderstood her.
HaaaveYouMetTed: I cannot find anywhere where it says how long I have to have the plan for me to reap the benefits. But it seems like the norm is for one full year…which in that case I would be out of luck if I am already pregnant by time December rolls around . Argh…I thought about signing up last year but didn’t want extra pay taken out of my check each month…that was a poor decision!
Post # 14
koi424: Boooo! Looks like Texas is a No Paid Leave state!
becomingsumner: Awesome! Thanks!
Post # 15
HaaaveYouMetTed: Do you know what happens if one purchased the policy before being pregnant, got pregnant soon after purchasing the policy, but did not carry to full term and delivered prematurily, so it has not been full 9 months? Just wondering. My company offers the policy, but given that in reality it only pays for 5 weeks, I am debating if it is worth the premiums.