Can I use short term disability if my company doesn't offer paid maternity leave?

I am a single mom and work for a very small company. The FMLA act i think covers me getting maternity leave but its unpaid and i cant afford to do that! Someone mentioned to me using my short term disability leave which would allow me 3 months out with 60%of my weekly pay. Am i capable of using this? Do other women use this? Do i have to actually have a disability or can i just get my doctor to write a note?

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Anonymous

Asked by Anonymous at 9:55 PM on Sep. 24, 2008 in Pregnancy

This question is closed and filed in the CafeMom Encyclopedia.
Answers (8)
  • In California I used my State Disability Insurance for both pregnancies.
    The standard is 2 weeks before and 6 weeks after. In CA you can also get another 6 weeks at the same rate for bonding. C-section is another 2 weeks

    In CA pregnancy is considered a disability. If there are medical reasons you can be written out earlier, either reduced hours or completely. I went out at least 4 weeks early with each my kids as I was having too many braxton hicks contractions due to work stress.
    AussieMum2

    Answer by AussieMum2 at 10:00 PM on Sep. 24, 2008

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  • it was almost 6years ago I went through this, but I think you use both. I used FMLA to ensure I had the 12 weeks, and my job, but I did get some type of short term disability that didnt kick in until 2 weeks of not working then I rec'd that, which covered I know min it was 6 weeks, Im sure it was more, and I use all my personal,sick and vacation time when my disability ran out. pretty much how it broke down, I was paid almost 10 weeks, but it was 60% of my salary. Unless only some of the time it was 60% but sometimes it was more when I applied my sick and vaca time. Talk to your HR person. we had to spend some time before and during my maternity leave getting it all worked out, but I did use both for sure. I wish you the best of luck.
    Kerinmomof2

    Answer by Kerinmomof2 at 10:07 PM on Sep. 24, 2008

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  • I do think that you need to have been signed up for the disability insurance prior to being pregnant, and I don't know for how long. That may differ by company and policy.  Call and ask.

    Teachermom01

    Answer by Teachermom01 at 10:22 PM on Sep. 24, 2008

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  • Yes, you can use your temporary disability for maternity leave. It's six weeks but your doctor can extend it. I think after 12 you need to go on COBRA in order to keep your health insurance and that gets very expensive.
    GraciesMommy25

    Answer by GraciesMommy25 at 10:44 PM on Sep. 24, 2008

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  • You need to contact your benefits administrator to find out how it would work. Typically it's 6 weeks for vaginal delivery and 8 weeks for c-section, and disability is typically only 60% of your pay. Which would still leave 4-6 weeks of unpaid leave. You can also see about using your sick and vacation pay. Congratulations on your new baby. Enjoy it!!
    richgirljj

    Answer by richgirljj at 12:23 AM on Sep. 25, 2008

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  • I believe when i was reviewing my husbands benefits i saw that maternity leave was treated like any other illness or disability under the short term disability benefit. You should have that info available in your benefits packet. Good luck
    Moemom4

    Answer by Moemom4 at 12:39 AM on Sep. 25, 2008

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  • When most people get paid maternity leave, its short term disability. Thats what STD is there for.
    Anonymous

    Answer by Anonymous at 9:31 AM on Sep. 25, 2008

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  • I used short term disability, because my job didn't provide maternity leave, paid leave, or FMLA of any kind. Keep in mind, you have to take out the policy BEFORE you are confirmed pregnant, or they won't accept the claim.

    StarrMom2Xander

    Answer by StarrMom2Xander at 10:29 AM on Sep. 25, 2008

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