I work for a small company that provides short term disability benefits while out on maternity leave. My biweekly pay is $1100 after taxes, HSA, insurance payment, and 401k. The insurance payment is $375 per pay period. This is after my employer contributes $150 on insurance (so the total insurance bill is $525 per pay period). I just got the details of what “benefits” I can expect.
My first two weeks on disability will be unpaid. Then after those two weeks, I qualify for up to $500 per week. While on disability I am completely responsible for the $525 insurance payment with no employer contribution. Not sure how I’m going to handle all my bills, rent, food, etc. Has anyone dealt with a nightmare disability plan and survived?
Side note: I’m the only employee in the company who doesn’t have a lawyer/engineer/trust fund baby for a spouse and supports a family on a single income.
In hunter-gatherer’s era, they would simply kill the baby if it was an extra head they could not collectively afford to feed because their resources were very limited. That’s pretty responsible.
In 21st century, the responsibility for child’s well being is not on the tribe/society but on the parents, especially given that US is a individualistic society as opposed to collectivist like China, USSR. That being said, there are plenty of organizations who will help single mothers. US laws are also HUGELY in favor of single mothers, single fathers don’t get anywhere near the same support both from the government and from society. However, it is still the responsibility of the child’s parents to make use of available resources.