Maternity Leave

babyhicksIII · March 2016

Good morning ladies! I know this question may be a bit premature, but I wanted to find out if you are unable to get short-term disability through your offices, what are some ways you plan to supplement your income while on maternity leave? I found out I was pregnant after I started my current job so I don't qualify for short term disability. Thanks for any assistance you all can offer!

FemShep · March 2016

Depending on where you live, your state may have short-term disability insurance available to you.

megstervt · March 2016

My own paid time off, but that won't cover it so it will be mostly unpaid. We are saving now to have that money available during my leave.

kms456 · March 2016

You can purchase supplemental insurance that will cover STD (like Aflac) - but most will have a waiting period

MRSCORKER · March 2016

KKamm917 said:

You can purchase supplemental insurance that will cover STD (like Aflac) - but most will have a waiting period

In my state, this can only be purchased as supplemental insurance through an employer, like an optional buy-in benefit. Also, the policy had to be purchased at least 30 days before "conception" so purchasing it after a BFP wouldn't work. It might be different in each state though so it's important to read the fine print!

babyhicksIII · March 2016

That is the issue I ran into. Because I am already preggers they won't insure me

jonesl12 · March 2016

To get Aflac you have to purchase prior to getting KU.

stillcozy · March 2016

I was but I signed up for it before I was pregnant and it only pays 70% of my paycheck. Most of the time you had to sign up for it before you are pregnant

kmalls · March 2016

Lindsayleigh1989 said:

I was but I signed up for it before I was pregnant and it only pays 70% of my paycheck. Most of the time you had to sign up for it before you are pregnant

Sounds like a good deal to me!

Nckybaby · March 2016

I signed up for an independent STD plan but it only kicks in with birth complications or c-section so we are also saving the money I will need to stay home for six weeks.

Oakleypoozles · March 2016

I just realized I misunderstood the original question and didn't actually answer the question.

Could I suggest Leapforce to you? It is a truly legitimate work at home at your own hours job. A couple of my friends have been doing this for years so I feel at least for short term it would be a nice choice for you. It is NOT something everyone can do though there work books are long and their testing is vigorous. You have to put the time in to learn what your job is and they won't hire you until you can prove you can do it!

There is also a part time similar version of leapforce that I can't remember the name of at the moment. If you are interested let me know and I will contact my friend that does that one and find out the name so you can pursue.

fourtsixand2 · March 2016

This may be above and beyond your question, but I wanted to share how my maternity leave will play out in case it can help someone with similar questions or add insight.....

Under FMLA, a new mother can take up to 12 weeks protected leave from their job. That means that your job is legally secure for up to 12 weeks while you are on medical leave. It is up to your employer and their policy as to how you are paid/not paid at that point.
They are not entitled to pay you while you are out, but for me, my 12 weeks is covered at 100% pay because I will be using my time off (between comp, vacation and sick time). If, say, I only had enough to cover 6 weeks, the first 6 weeks would be covered at 100% pay and the remaining 6 weeks would be either unpaid or I could use my Short Term Disability (provided I have that coverage) to cover the remaining 6 weeks. I have not yet seen a Short Term Disability coverage that pays at 100%, but you would likely get 60-70% paid under that coverage.

Unfortunately you say it's too late to get coverage through work. I'd call around to some insurance companies, bluntly state your situation, and see what they can offer. Your best option at this point is to ask your HR department if you are eligible for any paid time off around your due date, and if so are you able to apply that to your FMLA leave?

Kay6519 · March 2016

There are all sorts of stay at home jobs available. One of my co-workers offered babysitting for other women in our office to supplement her income for the 6 months leave she took when she had her baby. Another lady I work with does quilting and other sowing projects. She made all sorts of baby items and sold them both to other women at work and church and online via Etsy and Facebook during the 3 months maternity leave she took. It ended up being very lucrative for her.

Does your job do any sort of work from home? I have a friend who works for an insurance company. She switched over to a work from home assignment after having her baby. She loves it! She gets to be a stay at home mom and still maintains a full-time career just like she wanted.

splsmama2016 · March 2016

I'm a private contractor so I don't get squat. But they will hold my spot for when I get back from maternity leave (most likely because it's hard to get ice skating coaches in SoCal....) I don't even get government assistance. Beyond glad though that H's job pays really well, he can take 6 weeks paid family leave, and he's got a bunch of accrued time off, but it still sucks that I won't be helping add to our income.

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