I have a doc appt tomorrow at 10, so I'll definitely ask while I'm there, but...just wondering if you ladies have an input on this:
My work has FMLA. 12 weeks of UNPAID leave and they guarantee your job. I also have short term disability through work - which offers 60% pay while I'm out on maternity leave. I called up the company that handles short term disability about a week ago and set my "going out date" on the 4th. A day before I'm due. But these past couple of days have been HORRIBLE at work. I can hardly walk it hurts SO BAD. Not just from the baby being on the bladder, but my hoo-hah is still killing me. OB said it was "probably" varicose veins, but she didn't look. DH took a look and said he didn't see anything different (I know that's probably TMI), but it really hurts on the outside, like right between the folds.
ANYWAY, my boss is fine with me going out after I finish training this girl. That'd be the week of the 10th of March. So, essentially, a month before Im due. I don't WANT to go out that early, BUT...here's my question (finally)...
If the doctor takes me out early - do I still get the six weeks of maternity leave AFTER the baby is born? My boss seemed to think the short term disability (which is 6 months max I think) would kick in for the time before the baby is born and mat leave would be after the baby is born, but I'd still get the 60% pay for all of it, as long as the doctor took me out early.
And..on top of that, if the doctor does not take me out early, how early can I go out on short term disability by myself? Like, could I go out the last week of March and it not count against those 6 weeks?
I used to work HR so I can try to help.
FMLA - 12 weeks of job coverage without any changes in salary or position. It starts on the day you leave work until exactly 12 weeks later. If you take 4 weeks off before the baby, you'll get up to 8 weeks after she's born for job security. Please note - this has NOTHING to do with ACTUAL medical leave!!
Short term disability - what you'll get paid for while you're off. STD is 26 weeks. Then it kicks in to Long Term Disability (generally reserved for severe on the job injury type scenarios).
One thing I will tell you - unless there's a reason for bed rest or an issue with the baby, the dr won't typically sign off on your medical leave papers for you to start leave early. They have to have a medical reason.. it's CRAZY what health care has come to.
Pretty much same thing but my cousin just had horrible issues with her short term disability for her mat leave. Even after it was all set it took weeks to get paid which she finally did. I also agree that docs are usually not easy to sign you out. With teaching it is so different because we have fmla but use our sick days as maternity.
Aimee - That's not all that uncommon.. Most companys will make you use all sick.. then vacation.. then personal days until you've exhausted all your paid time off.. THEN you go to STD. Crappy thing is when you come back and need to take a day off to take baby to the Dr or whatever, you have no paid time..
Sometimes companys will both stop vacation acrual AND make you pay your own medical insurance premiums because you don't have at "at least 30-32 hour work week". Which is just wrong, IMHO.
Sometimes I wish I lived in Canada.. you get one year, no questions asked.
Canada is cold. No thanks. LOL
I have to use one week of vacation time as the first week I'm off. Then STD kicks in. I guess I was just wondering if the doc took me out early, would that count towards the mat leave. But what I understand is this:
STD is covering my pay at 60% if I go out on a doc note - regardless of before/after baby. FMLA will cover my JOB for 12 weeks. So theoretically, if I were to go out TODAY - as long as I came back within 12 weeks, I'd be getting the 60% from STD. IF and only IF the doc found a reason for me to go out early. However, I'm not going to make it to my doc appt this morning. I was throwing up ALL night long. Super fun. DH turned off his alarm, so I guess it was a good thing I was up from puking - because he would have been late if I wouldn't have woken him up.
On another plus note - the heat pump is being installed He knocked on the door at 8 o'clock!! WOOT! FINALLY!
On a bad note - he needed me to move the cars so he could get the trucks backed up in the driveway. I got in DH's truck - check engine light came on. I moved it, I mean it runs...but that light is a no good light. Then I got in the Camry - turned it on, it turns right back off. I tried it like 3 times. DH got in it the other day to move it and it started and went just fine. NOT FOR ME! The heat guy was like...um..don't worry about it, when the rest of the crew gets here we'll just push it.
I just said...okay. Then kind of meekly went inside. UGH. My DH is a friggin MECHANIC. Kind of embarrassing to have non-running cars.
Yes its a small company and they are very flexible with me. So even though they don't have official benefits, they will let me have up to 12 weeks off. Unpaid of course. But I will take it. No short term disability. I have an afflac sickness policy on my own and my own insurance policy (which doesn't cover any maternity costs or the birth), but I wish now that I had signed up for the afflac short term disability. Oh well. Too late. Next time.