Part Time Workers and Short Term disability
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Part Time Workers and Short Term disability
Posted by Bigsike on 10/4 at 9:00 pm
My wife just moved changed from full time to part time with her company. They do not offer short term disability for short term workers which could put a hold on us trying to have another child.

Are there any options for us in regards to short term disability?

Thanks in advance!



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Posted by notiger1997 on 10/4 at 9:05 pm to Bigsike
Why does she need short term disability to have a kid?


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Posted by Bigsike on 10/4 at 9:16 pm to notiger1997
To supplement our income when she will not be working for 8-12 weeks after pregnancy. Maternity leave.


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Posted by SippyCup on 10/4 at 9:52 pm to Bigsike
Aflac


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Posted by MikeBRLA on 10/5 at 7:00 am to Bigsike
Standard mat leave is 6 weeks I believe. Why not just self fund your own short term disability? IE save?


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Posted by Tigerpaw123 on 10/5 at 8:29 am to MikeBRLA
quote:

Standard mat leave is 6 weeks I believe. Why not just self fund your own short term disability? IE save?


Oh no you didn't....trying to put logic in a situation, shame on you, don't you know that as Americans someone else should be responsible if I want to have a kid



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Posted by Bigsike on 10/5 at 7:00 pm to Tigerpaw123
quote:

quote:
Standard mat leave is 6 weeks I believe. Why not just self fund your own short term disability? IE save?


Oh no you didn't....trying to put logic in a situation, shame on you, don't you know that as Americans someone else should be responsible if I want to have a kid



Is this is shot at me?

I am republican and I pay taxes every year buddy. My wife and I are thinking about having another child. Short term disability which is form of insurance is something we have paid for the last 10 years. Now she is taking a job making more money as a part time worker but they don't offer short term disability insurance. Not a hand out pal just a serious question for people that can't afford to lose 2 months of pay.



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Posted by notiger1997 on 10/5 at 8:30 pm to Bigsike
Maybe I'm just not up to date on today's maternity leave options, but I've never heard of anyone taking disability after having a kid.


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Posted by Bigsike on 10/5 at 9:07 pm to notiger1997
How does short-term disability work?

Short-term disability is meant to cover your salary — or a portion of it — during the time that you're unable to do your job due to illness, injury, or childbirth. Many large employers and unions offer it, as do several states. (It's generally provided automatically to all employees or residents, not as an optional benefit you have to sign up for.)

Parents discuss their choice to work or stay at home

If your state provides STD, you may pay a small amount out of each paycheck to cover your share. If your employer or union provides it, the cost may be covered for you. If none of them provides STD, or if the coverage is insufficient, you can purchase your own policy or additional coverage through an insurance provider for a monthly premium.

Private STD insurance through your employer or a provider will generally pay between 50 and 100 percent of your salary for a certain number of weeks, depending on how many years you've worked for the company. (The maximum amount you can receive is usually capped.)

Six weeks is the standard amount of time covered for pregnancy. Some plans allow more time if you've had complications or a cesarean delivery, and many also cover bedrest before birth.

State STD benefits typically cover half to two thirds of your salary, and the coverage for pregnancy usually lasts four to six weeks but can last up to 12 weeks. In California, for example, you're covered at 55 percent of your usual salary for up to six weeks per 12-month period. You may be able to get coverage for eight weeks or longer after the birth if you've had a c-section or medical complications, but your doctor must certify this.

If both your state and your company offer STD, you may be required to use the full state benefit and have your employer's coverage make up the rest. You'll still end up with the same amount of pay as if you were getting your employer's full benefit, but you'll get it in two checks, one from the state and one from your company's provider.

Many programs require that you be out of work for up to a week before you can start to collect disability benefits. Your employer or your state's program may require you to use up your accrued sick days or vacation days before your disability benefits kick in. That's not necessarily a bad thing, as those days are paid at your full salary.



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Posted by ZereauxSum on 10/5 at 9:22 pm to Bigsike
I don't really have an answer for you, but can you take FMLA and stay home with the baby?


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Posted by Tigerpaw123 on 10/5 at 9:33 pm to Bigsike
Not a shot at you, a shot at the situation, and paying taxes has nothing to do with STD. It appears your wife took a part time position with more pay and less benefits, now you see the value of those benefits. But to answer your original question, do one of two things, personally save the money she will not make, or buy a personal individual STD policy from someone like AFLAC, but be pre warned they usually exclude pregnancy benefits until a waiting period is over, otherwise people would just wait till they needed it to buy it and drop it after they used it.


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Posted by Ric Flair on 10/5 at 10:28 pm to Bigsike
No offense, but if you can't afford to live without your wife's salary for 2-3 months, how can you afford another child/expenses for the next 18 years?

This post was edited on 10/5 at 10:31 pm

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