I am a teacher and am so annoyed with my leave. The district only allows us to take 6 weeks unless we have a well documented reason and note from the doctor. I spoke to my doctor about this and pretty much I was told I will have to go back to work after 6 weeks. Its not that I don't want to work, but that I don't want Alex to go to daycare that young. If I choose to stay home it would have to be without pay and I carry the health insurance which we would have to pay for out of pocket. Sorry to complain I'm just freaking out!!
Re: super annoyed with maternity leave
Very few people get much paid leave. I will get paid for 5 or 7 weeks of short-term disability (STD is 6-8 weeks, with a one-week waiting period), depending on what sort of delivery I have.
Otherwise, you are probably eligible for FMLA, which just holds your job without pay, unless you use your vacation time to get paid. Your situation sounds normal to me.
I believe that FMLA also requires the employer to continue to carry the insurance premiums as well as guarantee the position.
I don't qualify, so OP I'm in the same boat as you too. 6 weeks, and if I take any more unpaid time I have to pay my insurances premiums in full - and I'm the primary insurance holder for our family. It's like and extra $800 a week out of pocket on top of no paycheck. Yeah, don't think so!
I don't get any paid "maternity leave." I just have to use up accrued sick and vacation time. Most of my leave will be unpaid. As for insurance premiums, I'm going to incur a debt to my employer, who will then take a portion of the premiums out of each paycheck upon my return until it's paid off. I have the option of sending in a check while I'm on leave, but I'm more comfortable having it taken out of my check when I'm back in pay status. All of this is a really long-winded way of saying that you should figure out exactly how insurance premiums will be handled while you're on unpaid leave and then figure out if you can manage unpaid leave plus paying the premiums.