On the Verge of Leaving My Job
res932
member
I am in the process of quitting my job. I am going to be talking to HR to find out if I quit how long I will still have health insurance for, and we will be talking to my husband's HR about when we can pick up insurance through them. I am hoping that my company is not going to make me wait until the very last day to give me the certificate about the end of coverage so that way if my insurance will run through Oct then his can pick up in November. I am nervous about the insurance switch and hope everything will go smoothly. I am also nervous about not working anymore. I am scared of DH being the sole income, and even though I know we can live off of his income we will still need to cut back.
Has anyone else been in this situation? Any advice?
Re: On the Verge of Leaving My Job
The insurance is what scares me the most. I was trying to hold out until January but it has become unbearable and I don't want to spend the rest of the pregnancy miserable or have the stress cause complications. We don't have a lot of debt, we have our cars (DH's company car allowance pays for most of that), we have the mortgage, DH pays child support for SS ($300/month), and I have student loans ($150/month). We have been saving my paychecks for several months now and haven't had to touch them at all. I know there will be some corners we have to cut such as not going out to eat as much but I feel that it will be worth it.
I guess I am just scared of the unknown and not knowing what to do with my time. However, when LO gets here I am sure that all of that free time will be gone.
Best of luck!!! While I am grateful to have a well paying job, I wish I had the option of leaving and staying home with my LO...but I dont. I make the larger income and it would be impossible (given our mortgage and other bills) for us to make it on my DH's salary alone.
Hoping the insurance situation works out...if all fails you can try to get emergency medicaid for the period in between when you have your own health insurance and can be added to your DH's insurance.
The time...I've never had so little time in my life. In fact if you like to read, I suggest you do that now. The first few months is seems like everything is hard to do without having someone close. Then they can play a little and it gets easier. My ds is one and it seems like I can do so much more than I used to. Then I get to see what it is like added another. lol
I'm sorry your work sucks that bad. But if you have saved your checks for awhile I think you will be fine. You obviously don't need that money from paycheck to paycheck. Sure some things will come up doctor bills etc. but you will have it saved so no worries. I still think about the money we could be bringing in if I worked but then I remember this is a period in time. Things are always changing and who knows I could have to go back tomorrow. So enjoy it while you can. Things will work out. And you can always go back to work. Maybe not to the same place but there is always somewhere!
If there is a loss of coverage it usually falls under "life event"
One thing is if the insurance is a different company, make sure your drs office takes it.
I had to change drs half way through with my 6 year old because of an insurance change.
I was told by someone who quit at my company that they weren't allowed to go on their spouse's insurance until the open enrollment period, so make sure you at least make a phone call to your H's insurance and check it out. If they won't let you switch, you can always pick up COBRA, but that tends to be pretty expensive. I know that with mine and H's insurance the open enrollment period is October and November, but coverage doesn't start until January 1.
I left my job when DH and I got married- I put in my two weeks and the very next day I found out I was pregnant! Because of the wedding, he was easily able to add me on to his plan. Even though it took us several weeks to get all of the paperwork in, coverage for me kicked in the day of the wedding.
Unfortunately, we live with my MIL, whose house just went into foreclosure. We have mortgage payments, a lawyer payment, and a bankruptcy payment that DH is entirely footing the bill for. I've only been unemployed for two months, but I needed to get back into the workforce.
My only advice is to save as much as you can, when you can. Your family will very likely be just fine on one income, however, it never hurts to prepare for an emergency.