(Closed) Short term disability – not a possibility ?

posted 6 years ago in TTC
Post # 16
Member
1786 posts
Buzzing bee
  • Wedding: August 2016

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ajillity81:  oh wow. i did not think about that option! thanks!

Post # 19
Member
1135 posts
Bumble bee

You’ll only get 6 weeks of pay max with a short term disability plan, less than that if there is a waiting period. It’s best to save your vacation and sick time and squirrel away money in the bank.

Post # 20
Member
3841 posts
Honey bee

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MrsJet:  I took a job with no maternity leave, but they did provide STD. I asked about benefits upfront, and told them I would need some kind of maternity leave and they basically agreed to work with me when the time came. I ended up getting pregnant within the first month of working there and was able to negotiate leave. If I were you, I’d start saving, look into getting independent STD (Aetna does not have a grace period for when you elect coverage and when you get pregnant so I’d start there), and I’d talk to your company about what they might be willing to do if/when the time comes. I think its ridiculous that so many companies don’t have any sort of leave, but to me, its up to the employees to take a stand and demand more of these employers.

Post # 21
Member
3078 posts
Sugar bee
  • Wedding: October 2012

check with regular insurance companies like State Farm, Allstate, etc.  They offer disability policies.

Post # 22
Member
966 posts
Busy bee
  • Wedding: April 2014

I agree with looking into policies outside of work but yes make sure you get your questions answered in writing.  Also look over the policy in detail  Insurance companies are imfamous for taking money and when it is time for you to cash in there is some loop hole they use to avoid having to pay out.  It is horrible but true.  I also second the opinion that everyone should remember this when election time rolls around.  As the US is one of the only major countries that does not offer some form of help for materaty leave. 

I am self employed so I am really SOL.  I have to save save save, pray that nothing goes wrong that would take me out of a long time.  My SO’s income is just enough to cover all of our essentials, but having a baby is not cheap, so I am trying to get our savings as high as I can.

Post # 23
Member
554 posts
Busy bee
  • Wedding: June 2014

The office I work(ed) for didn’t offer benefits of any kind so I knew before we started TTC that my entire leave would be unpaid and FMLA didn’t apply. We decided to just save up the money needed to get us through the months I would be off work.

Im glad we planned on saving up because my office closed when I was 6 months pregnant and we will still be OK until I’m ready to get out and look for a new full time job after I deliver. My ‘leave’ plan was for 12 weeks, it has now turned into 5 months..  In short, things will work out in the end, just start saving a bit for it and you’ll be fine!

Post # 24
Member
719 posts
Busy bee
  • Wedding: November 2015

I have a STD policy through Aflac. The only stipulation was that I had to be on it for 10 months before I could birth a child.  Meaning we didn’t start TTC until I’d been on it for a 2 months.  Technically, we could have started earlier than that, but incase there were any complications and baby was born super early or anything.

Post # 25
Member
8460 posts
Bumble Beekeeper
  • Wedding: August 2012

I would definitely check out a STD plan from an outside company. Make sure you do it before you get pregnant as you will not qualify otherwise.

Post # 26
Member
43 posts
Newbee
  • Wedding: October 2011

I signed up for Aflac this week. It has a 10 month clause. 

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