(Closed) Can Someone Explain the Benefits of Taking Disability for Maternity Leave to me?

posted 4 years ago in The Lounge
Post # 2
Member
14977 posts
Honey Beekeeper
  • Wedding: June 2011

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
Member
3697 posts
Sugar bee
  • Wedding: May 2012

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
Member
2805 posts
Sugar bee
  • Wedding: May 2016

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 # 6
Member
14977 posts
Honey Beekeeper
  • Wedding: June 2011

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
Member
280 posts
Helper bee

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
Member
5159 posts
Bee Keeper
  • Wedding: January 2010

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
Member
195 posts
Blushing bee
  • Wedding: July 2015

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
Member
195 posts
Blushing bee
  • Wedding: July 2015

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
Member
1592 posts
Bumble bee
  • Wedding: November 2010

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
Member
1576 posts
Bumble bee
  • Wedding: August 2013

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.

 

https://en.wikipedia.org/wiki/Maternity_leave_in_the_United_States#/media/File:Paid_maternity_leave_by_state.jpg

Post # 15
Member
2785 posts
Sugar bee

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.

The topic ‘Can Someone Explain the Benefits of Taking Disability for Maternity Leave to me?’ is closed to new replies.

Find Amazing Vendors