question for the pro's

Ok I am not on bed rest but just in case it ever comes to that I have some questions for the pro's....If anyone worked up until bed rest did you get disability pay or what happened, I am so afraid that will happen to me and we will lose our house everything...can someone give me any advise or food for thought

 

I would check your company policy on short term disability. Ours was very good. I went to 1/2 days at 20 weeks and stopped working at 28 weeks. I was paid for the entire time and then for 8 weeks of maternity. I was actually off for 16 weeks after the kids were born so almost 6 months total.

 

I agree, it depends on your company's policy. I was teaching then and we didn't have any disability. I had to use my sick days I had saved up.

 

I'm no pro, but I did just check into this today. My school has long-term disability that goes into effect 90 calendar days after my bedrest started. It will pay me 2/3 of my gross salary from that point until 6 weeks after the babies are born (8 weeks after if I have a C-section). I also have an AFLAC policy that I think will pay me something for short term disability. I have to check into that though. I think I need to file that claim soon because I don't think it will pay after LTD kicks in. I have 58 days of sick leave that I am using starting the day I went on bedrest. I guess the best thing would be to check with your HR people and see what they have to say. I sure hope you don't need to go on bedrest. Good luck.

 

ok so just checked with HR no short or long term....UGH! My boss said if it came to it he could lay me off and I could collect unemployment $280.00 per week when I make $900.00 a pay period now better than nothing again but still won't help much with morgage...hmmm I might have to start looking for a bog card board box!



QUOTE(Beth*J @ Oct 22 2007, 02:36 PM) [snapback]462153[/snapback]
I'm no pro, but I did just check into this today. My school has long-term disability that goes into effect 90 calendar days after my bedrest started. It will pay me 2/3 of my gross salary from that point until 6 weeks after the babies are born (8 weeks after if I have a C-section). I also have an AFLAC policy that I think will pay me something for short term disability. I have to check into that though. I think I need to file that claim soon because I don't think it will pay after LTD kicks in. I have 58 days of sick leave that I am using starting the day I went on bedrest. I guess the best thing would be to check with your HR people and see what they have to say. I sure hope you don't need to go on bedrest. Good luck.

 

Does the state offer any disability? I vaguely remember that being an option for some people.

I had to go on bedrest at 24 weeks. I used up all my sick leave first, and then collected differential pay (which is my school district's version of disability). This was not nearly as close to what I was making, maybe 40%, but every little bit helped. We did use quite a bit of savings to get us through.

 

I went on bedrest at 16 weeks, but continued to work from home (I work FT from home). Then I ended up on hospital bedrest at 24 weeks, and had to go on STD. I had to use one week of sick time before that kicked in. Then I got paid 6 weeks of maternity leave after the girls arrived, then nothing.

FMLA comes into play with all of this too. I used 7 weeks of my FMLA before they were even born, so before my 6 week maternity leave was up, my FMLA had run out. Thankfully my boss was cool and my job remained my job! I did end up going back to work after one week of maternity leave, then took 5 weeks off when they both came home from the NICU.

 

Our state offered disability and then my company suplimented the rest. I went out of work at 26 weeks under dr orders but no bed rest. I had 12 weeks of disability pay and then after that nothing. I was out for 24 weeks total.

Definitely check into what your state offers.

 

I work for a photography studio as the office manager so I do nothing but sit all day...I am really hoping this will help in no pre term events happening! I am a planner and like to have all my information for those just in case days...With my other two kids nothing happened and I am crossing my fingers that these two will let me work until delivery....



QUOTE(dawnmj @ Oct 23 2007, 10:40 AM) [snapback]463347[/snapback]
Our state offered disability and then my company suplimented the rest. I went out of work at 26 weeks under dr orders but no bed rest. I had 12 weeks of disability pay and then after that nothing. I was out for 24 weeks total.

Definitely check into what your state offers.

 

echoing everyone else's post it depends on your company. I work for a financial firm because Dr. said last week I should stop working - even though I've been working from home for 4 weeks already. I have 2 options:

1. Reduced schedule - over 20hrs but less then 40. The difference between what I work and 40 comes out of vacation, sick days or is unpaid (BUT I DON"T LOSE MY BENEFITS!)

2. Preterm Disability - Not working at all, but I keep my full pay and my benefits. The caveat is that it begins the clock for FMLA so my job protection begins when I start the program. Luckily, my company's policy is to continue job security throughout the first 12 week "after" the birth so I don't have to worry, say, 6 weeks after the twins are born.

Now I was working for this same company when my 2 yr. old was born and I had a very different experience then. Since I was with the company only 9 months when he was born I wasn't protected by any policies or FMLA (which usually kicks in at 1 yr of employment). With my first born, same company, I got 6 wks short term disability at 60% pay and then 6 wks of completely unpaid. In fact during that period I had to continue to pay for my benefits, so in effect I was paying $ to the company for my benefits and not getting a paycheck. It was the only way I could take a full 12 weeks and I can tell you - it was tough given that my son was early and we had a few complications. But the time is completely worth it!

This time around, I'll probably take the 12 wks. Full-pay (job security) and the 12 wks optional unpaid (no job security) when they are born. I'm not too worried about the job situation because I've been discussing it with my manager for the past 5 months.

Also, if you can, have an open conversation with your boss/HR/ or union rep. (if you have one).

 

With my son, I went into PTL at about 23 weeks. I had started a job only a couple months earlier and when my pg complications started, I was put straight on strict bedrest. I found out 2 days later that I was few days short of days worked to qualify for the short term disability and all of that. I basically had NOTHING coming in on my end of things. My DH worked a lot of extra those few months! So, I was able to cash out my vacation time that had accrued, but it wasn't much in the scheme of things. AND, they wouldn't give me much of a maternity leave once he was born. I was so mad. After he was born, I quit anyways!

 

I was put on bedrest last week at 18w, and go to the dr today to find out if I stay on bedrest. I will lose my job, no benefits, no maternity leave, no disability-short or long term. Even though I live in Canada, which has parental/maternity leave of 1 year available, I have been self employed for a number of years and as such am not eligable for any unemployment leave. My life is pretty much a case of finding every single crack in the system then falling right through it

That being said, I wouldn't trade my situation for anything! I'm soooo happy to be expecting, finally, and DH and I will do what is necessary to make ends meet and allow these two babies to join our family.

 

i was put on bedrest at 25 weeks, but was able to work from home. However, my company had short term disability which would have covered my salary in full (1/2 from state, 1/2 from work - more or less) had i been unable to work. This disability was pregnancy disability, so it didn't count agains the time *after* the babies came.

at 32 weeks i stopped working and was 'written out' by my dr, this is when my short term disability/pregnancy leave kicked in, recieved a certain amount from the state and the rest from my employer. Vacation also continued to accrue. Since i was having twins (and a c-section) i had 8 full weeks paid after they were born. After that, California FMLA (i think) kicked in and that was 6 more weeks of state disability (nothing from the employer). AFter my 8 weeks, I had to take two weeks of vacation (which was no problem, i had almost 6 weeks and i was accuring while on disability). I took more of my vacation, along with the CA leave (it was concurrent - all very confusing) and then probably 2-3 weeks of unpaid.

However once my vacation maxed out, I had to pay my benefits. Also, my job was protected up to 6 months post-partum.

Again, check with your employer and depending on your job and bedrest situation, you may be able to work longer. My job is mostly email and phone calls - but i had to lay on my left side which made it difficult - but I was SO glad to be able to work as long as i did

Good luck!
Miriam

 

I'm in NJ. I'm not sure if it is a state or empoyer policy but I do know I am eligible for up to 6 months leave as long as my doc justifies it. This should work for me since I have been out of work since 15 weeks and can not return until after delivery. We also looked at paying off some bills, and took out a home equity loan to pay off some outstanding debts since the loan payment is lower then our current bill payout just in case.
I would talk with your HR dept and se what your options are.