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.
Shouldn’t you have thought this through before getting pregnant? Not really sure what your options are other than you or your spouse switching to a higher paying job.
According to assholes like you, the mortals are not supposed to procreate.
Having a kid is a big decision. Never understood why people jump into procreating without thinking it through.
I would consult the California employment office to see if there’s anything you can ask from your employer. Have a chat with your boss and explain your situation, see if they can cover some of these costs that you can’t afford
Your side note is not helpful nor relevant.
If you are in California then you should be covered by EDD. They pay out most of your pay and employer can cover the rest for 12 weeks
Unfortunately in Texas so I’m finding less resources.
Is abortion out of the question?
This is Texas, good luck. Repubs care about the unborn baby, but screw the parent and the kid once they’re born. That’s the reality of the situation, there’s no good answer.
Do not get an abortion it will kill your mental health forever
So I guess it’s come to this: asking for actual suggestions like tips on budgeting, etc. If you just want to make rude comments I’m sure there’s other forms of social media for that.
You could take out a loan. That’s what our Commerce Secretary is recommending.
Hoping to avoid that, but have been looking at rates. Have you taken a loan with any similar situation? Would you have any recommendations of what firms/banks to look into?
Create a gofundme page, dont mind donating as much as i can to help you through this.
The American dream: dream you'll be able to get financially through the most natural event a woman can go through.
So only women in America can have the right to give birth without thinking through the implications of raising a child? What about immigrants?
Not sure if you’re pretending to be stupid or haven’t made the realization that unplanned things happen in life
That sounds like a tough deal! Have you talked to your employer about this? It sounds like you are underpaid too. Would they be willing to cover half of the insurance? Asking politely might help. Otherwise, yeah maybe take out a loan. How about child support from the father? I’m sure he has a healthy child as his goal as well. You’ll get through this. I just can believe this is happening in the US. My sister lives in Germany where the government gives you off 8 months and pays 80% of your salary during this time.
This is the last thing she needs to hear. Grow up guys!
Sorry, i was not trying to be rude, i was trying to understand what on earth would make people choose to have kids if they dont have support from the spouse.