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Did you know that...........
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You are considered disabled the first 6 weeks after giving birth, vaginally (8 weeks if you have a C-Section). If you are TTC and have a disability plan at work I would recommend you sign up for it if you havent done so - with some plans you will receive $100/day (thats a lot of money you will receive for at least 6 weeks postpartum). That being said, be sure to look into any clauses - some policies state that you have to have signed up for the accident/disability policy for a set amount of time, e.g. 10 months, before you can claim a pregnancy-related disability (presumably to prevent a heavily pregnant women from signing up and getting a $4500 payout).
Thought I would through that out there for anyone that may not be aware of this or considered this opportunity.
Incidentally, these policy's come in very handy if you suffer any complications during the pregnancy too. I was hypertensive and had to work part time during the last 3 months of pregnancy - my disability paid me close to $9000 in total for pregnancy-related disability.....
You are considered disabled the first 6 weeks after giving birth, vaginally (8 weeks if you have a C-Section). If you are TTC and have a disability plan at work I would recommend you sign up for it if you havent done so - with some plans you will receive $100/day (thats a lot of money you will receive for at least 6 weeks postpartum). That being said, be sure to look into any clauses - some policies state that you have to have signed up for the accident/disability policy for a set amount of time, e.g. 10 months, before you can claim a pregnancy-related disability (presumably to prevent a heavily pregnant women from signing up and getting a $4500 payout).
Thought I would through that out there for anyone that may not be aware of this or considered this opportunity.
Incidentally, these policy's come in very handy if you suffer any complications during the pregnancy too. I was hypertensive and had to work part time during the last 3 months of pregnancy - my disability paid me close to $9000 in total for pregnancy-related disability.....
Yes, policies will vary state-by-state and also from employer-to-employer. It is still something worth looking into though - I have seen several people without any source of income after giving birth.
In my case, I was with AFLAC and in my state (Missouri) my disability policy considered the 6 weeks post partum a disability - no need for complications to arise to get a payout. In the ~3 months before delivery I could only work part time but was considered "fully disabled" under the AFLAC terms so got the maximum payout allowable under my policy
Yes, FLMA only provides coverage for 12 weeks in a one-year period. There are other rules too such as a company must employ x number of employees. There are many small company's that dont have to abide by FLMA because they dont employee "enough" people.
In any case, these are all things that people who are TTC should look at and consider.
In my case, I was with AFLAC and in my state (Missouri) my disability policy considered the 6 weeks post partum a disability - no need for complications to arise to get a payout. In the ~3 months before delivery I could only work part time but was considered "fully disabled" under the AFLAC terms so got the maximum payout allowable under my policy
Yes, FLMA only provides coverage for 12 weeks in a one-year period. There are other rules too such as a company must employ x number of employees. There are many small company's that dont have to abide by FLMA because they dont employee "enough" people.
In any case, these are all things that people who are TTC should look at and consider.
Also, and I found this out with my surgery I had last year, FMLA will only cover you if you have worked for the company for a year or more. I was three weeks short of a year, and I had to personally ask my supervisor if I had anything to worry about. I was eligible for STD after 6 months of employment, but not eligible for FMLA until a year. And FMLA only covers you for a short period of time (12 weeks, I think). After that point, your employer can post your job. I had a friend at work who that happened to. She was able to return, but she did receive a certified mailing stating that her job was no longer secure and would be posted.
***And you are only most likely considered disabled by your short term disability plan AND not disabled by your state's definition of disability...
There are a lot of policies out there and their obligations will vary state by state.
I'm not trying to sound negative, but I don't want anyone to get the wrong idea and think that a short term disability plan is going to be there saving grace (ie getting almost 10k paid out for pregnancy)...
Look into it VERY carefully! I signed up with AFLAC and they would only cover you 6 weeks after vag. birth IF you had some sort of medical complication....Not even post partum depression was covered...I cancelled my plan. I also read on a watchdog website that MANY people had denied claims and other problems. They did cover 8 wks for a c-section.
And, yes, you do have to be signed up for a certain amount of time before getting pregnant.
They only pay a percentage of your salary or whatever your average 40 hour paycheck is...usually 60%...SO if you usually make $500 every week, you'd only be getting $300...which is better than nothing BUT I think getting almost 10k is unheard of...You would have had to have a proven income showing that you made a substantial paycheck before hand...
Like I said, I am not trying to be negative, but I am just saying 'buyer beware'
I'm not trying to sound negative, but I don't want anyone to get the wrong idea and think that a short term disability plan is going to be there saving grace (ie getting almost 10k paid out for pregnancy)...
Look into it VERY carefully! I signed up with AFLAC and they would only cover you 6 weeks after vag. birth IF you had some sort of medical complication....Not even post partum depression was covered...I cancelled my plan. I also read on a watchdog website that MANY people had denied claims and other problems. They did cover 8 wks for a c-section.
And, yes, you do have to be signed up for a certain amount of time before getting pregnant.
They only pay a percentage of your salary or whatever your average 40 hour paycheck is...usually 60%...SO if you usually make $500 every week, you'd only be getting $300...which is better than nothing BUT I think getting almost 10k is unheard of...You would have had to have a proven income showing that you made a substantial paycheck before hand...
Like I said, I am not trying to be negative, but I am just saying 'buyer beware'
I had no idea thanks for the info! I never knew that and I have 3 kids and one on the way. Wow . Thanks again!
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