I accrue 3 days PTO per month. When I go on maternity leave I have to use all my PTO before my STD kicks in. My STD disability has a 30 day waiting period, and I will be removed from STD at 6 weeks unless I have a c-section, so I will only end up with a check for 2 weeks STD. Last maternity leave, I accrued less PTO so I hoarded it and had enough to cover the 20 days working or 30 calendar days until STD kicked in and then got 2 weeks STD.
This time I already have 22 days accrued, and will accrue 9 more for a total of 27 days PTO or about 5 1/2 weeks calendar wise. So my question is what would you guys do? Should I use up some of the PTO before I go on leave so I can get some STD? Or should I just use PTO and not use hardly any STD? It seems a shame to have STD and not use it. But STD pays less than PTO, so should I go for the more money during the leave?
I was leaning more towards taking whatever vacation that I want now, and not stressing myself out by hoarding it like I did last time. DH makes enough money that if my entire maternity leave was unpaid it would be no hardship. I am taking 12 weeks total, and the remainder of the leave is unpaid. But I just thought it was strange to knock out my STD because I was too responsible and saved too much PTO.
Hope this isn't too confusing. TIA for your help.