Screwed on maternity leave. Ideas on what to do?
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.