Post # 1
Hubby and I are starting to talk about trying to get pregnant. This will be our first. My biggest concern is that I am technically the “breadwinner” and we cant afford for me not to work. FMLA wont pay us enough to keep us afloat while I’m out, and I work for a small company so while yes, they will have a job for me when I come back, there is no guarentee that it will be MY job.
I was wondering if anyone has had experience with a situation like this? Did you just use any accumulated sick/ vacation time? I’m not sure what to do…
Post # 2
I wasn’t the breadwinner, but I did take as much time off as possible. I got 4 weeks paid maternity leave prior because my doctor took me out of work, 6 weeks paid regular maternity leave, and I used two weeks vacation.
If you company does not have a paid maternity leave, some states allow you to go out on state paid disability for 6/8 weeks. I would check it out to see if you can get it — but FYI at least for NY, the amount is figured similarily to unemployment, so you don’t get the full amount.
Post # 3
Check out short term disability through your work. That’s what will pay me for the first 6 weeks. Also, have other people at your company had babies? What did they do? That’s always a good place to start. Also, if you are the major salary, your husband could always take unpaid FMLA. So long as his company has 50 employees and he’s been there a year, he’ll qualify for 12 weeks of FMLA. Depending on his company’s policy he may not get paid for that time, but it might be easier since he seems to have the smaller salary. That might work well if you have to go back to work relatively quickly and don’t want to put your kid into daycare immediately.
Post # 4
Just commenting to follow. I am in a similar situation. I make almost twice what DH makes and my position makes it difficult to take time off (senior leadership). We also don’t have paid maternity leave, so I will be using my 3 weeks paid vacation and any time taken after that is unpaid.
Post # 5
Yeah, mat leave is tough! Can you use accrued PTO? DH and I make around the same, but we definitely depend on both of us working. My work doesn’t offer short term disability and Massachusetts doesn’t let you get it on your own. Not sure where you are but definitely look into STD.
My office has no paid maternity leave, you can take 12 weeks unpaid under FMLA, and can use accrued paid time off. So whatever I have at that point will be my pay, and the rest will be unpaid. Not awesome but we are planning/saving for it now. I think the planning is key for many people if you’re going to be unpaid for a bit (or if DH is).
Post # 6
I will not qualify for FMLA with my current job because I will have only been there for 11 months when I have my baby. DH and I decided it wasn’t worth waiting just for my job (I honestly HATE my current job) but I am toughing it out until the baby gets here. Currently finishing up an additional program to get my MRI certification so hopefully that will open up some additional opportunities after I decide to go back to work. I do have short term disability through my work currently, but that will only pay up to 60% of my hourly pay while I am out (6 weeks or 8 weeks depending on delivery. I don’t have enough ETO saved up to cover a long leave so I am thinking I will just lose my job. Trying not to stress and just saving/building up a cushion for that time. My DH makes enough to cover us for quite awhile but I want to contribute financially as well. Not sure how long I will take off with the baby. Going to follow this thread for ideas from others!
Post # 7
I get 5wk paid through short term disability and will cover the other 6wk with 3wks PTO and 3wk unpaid. We have to take the first week as a combo of PTO and EIB also
Post # 8
Im in Australia so it’s pretty different here but by law they have to keep your specific job open to you, for your specified time or until you decide to stay home with baby. We can get a year unpaid, but with welfare benefits and usually dad’s get some paid time too. I think I will be using my holidays after maternity leave pay is out. I worry about this big time, neither of us earn more than the other and we cannot go on one salary.
Post # 9
Thanks for the advice everyone. To make it more complicated, my husband and I both work for the same company in different departments. Our company does qualify us for FMLA but we need the salaries. I would have 2 weets vacation time and 5 sick days I could use, but I work in a time sensitive office where deadlines are common. I may just have to feel it out and see. The last girl here to have a baby didnt come back because they didnt keep her specific job open for her. They tried to give her a receptionist job that paid less than half of what she was making pre-baby.
Post # 10
I’m in a similar “breadwinner” position. I plan to take the 4 weeks of 60% paid disability that my work offers. I have then accrued 5 weeks of time off in addition. So my maternity leave will be a total of 9 weeks. My husband has accrued 3 weeks of time off which he’ll use after I go back to work.
We have also been toying with the idea of him being a stay-at-home dad. Nothing official yet, we’ve just been talking about it.