Post # 16
LilliV : lovechocolate : pregnancy can be considered a pre existing condition for STD coverage. They don’t want you to buy STD one month, use it for birth the next month, then cancel it the following month.
Health care is somewhat different on pre existing.
Post # 17
We hired someone last January who was six months pregnant. We were only allowed to give her six weeks off, unpaid, for a vaginal birth, and eight weeks for a c-section. She was able to get all eight weeks paid because people donated sick leave to her. If she had been there a year, then she would’ve been entitled to 12 weeks – eight using sick leave for a c-section, and four using either vacation leave or unpaid. I would look into all of that if I were you. I, personally, would hate to just have six weeks home.
Post # 18
thefuturemrsD : I live in NJ and had a baby last year. If you pay into short term disability, sure you can take disability. It’s 6 weeks for vaginal birth and 8 for c section. But, it only pays 60%, not 75%, and it caps at $1000 a week. I make more than that, so didn’t get the full 60%. Also, you take FMLA (the Family Medical Leave Act) concurrent with your disability. It’s 12 weeks unpaid and is really just job protection so your job can’t fire you. But, you have to be with your job for 12 months before you go out, and you are only entitled to it if you work for a company with 100 or more employees, otherwise they are not obligated to give it to you because your absence could be a hardship on them if they don’t have enough employees. After the disability you can also get 4 weeks of bonding leave through the state, but that is also 60% and runs concurrent with FMLA, so it’s 12 weeks all together. I’d definitely look more into the logistics before switching jobs. I wasn’t a huge fan of my job either but didn’t want to wait to have a family so I stayed so that I could get my FMLA. Sorry to be a Debbie Downer! I hope this helps. Also, look into it more in case anything has changed and good luck TTC!
Post # 19
Sorry, I forgot. To add to what I said- my friend who also lives in NJ had a baby last year and only had 6 weeks off. Her company is small and didn’t grant her FMLA. Also, my coworker had a baby 5 weeks ago and is already back, because she used her FMLA in the first trimester because she was really sick, and you can only have 12 weeks in 12 months. Please research your options. Maternity leave laws suck in the US, unfortunately.
Post # 20
Misswhowedding : right, for short term disability that makes perfect sense! I was talking about medical insurance. I know back in the 1980s when I was born a health insurer could consider pregnancy pre-existing because my father was changing jobs around the time of my birth and the existing insurance ended on the 1st of the month and then the new one took over – welp I was 2 weeks late and they were in a bit of a panic because they had 3 days to get me out and home before they lost coverage for the delivery. The new insurer told them that since my mom was pregnant before they joined the new plan that they wouldn’t cover a penny of the delivery. I made it out right under the wire. It’s that kind of situation that Obamacare fixed.
Post # 21
LilliV : they can’t deny you health insurance but they can deny short term disability benefits.
thefuturemrsD : I would double check that your husband’s short term disability will cover you. I’m not sure that’s the case at most places.
Post # 22
Kay1126 : Hmm, my friend is going out in 3 weeks and through STD she gets 4 weeks before and 6 or 8 weeks after and then another 6 weeks bonding through FLI both paid at 2/3 of her salary. Apparently her job is protected already through STD and FLI so they also told her she can take another 12 weeks off unpaid through FMLA, and can either take all 12 weeks at once or save those days and use them at anytime throughout the first year. She works 2 jobs and they told her the same thing at the second job. I’m not sure if it changed since you went out, but I have had a few coworkers who did the same thing.
I actually have 2 interviews for positions at a company I quit at last month. They are very family friendy and a very big company so going out on maternity leave would not be an issue. I had worked there for almost 2 years so hopefully if I get one of these positions I will still be eligible for FMLA and anything else.
Post # 23
thefuturemrsD : You get 4 weeks before if your doctor puts you out. I didn’t feel I need it and went out 2 weeks before my due date but had my son a week early so it ended up only being 1 week. Forgot to mention that since I was more thinking about once the baby is here. As far as everything else, I can only speak to my experience and the experience of others I know, and my answer remains the same. I was just trying to be helpful since I live in NJ and just went through this. Good luck.