I am expecting my first child in November. My work does not pay into CA State Disability. Therefore, I only receive 6 weeks of disability through our "special insurance" from the date of delivery. The catch is I have to use up my accrued vacation time first. Once I do that, I only receive two weeks of disability.
I am wondering if there are any way to receive funds/disability insurance in another manner. Can I apply for AFLAC or another comparable disability insurance plan now even though I am already pregnant? I really don't want to put my child in daycare at 6 weeks of age. Please help!!
2006-06-07 06:26:28 · 8 answers · asked by sdlegal1 1 in Pregnancy & Parenting ➔ Other - Pregnancy & Parenting
I am a police officer and we are exempt from state disability as a result of a union vote 10 years ago. I can't afford to quit my job. I was hoping I would be able to get a disability policy from some company even though I am already pregnant. I have heard a baby gets sicker when put in daycare so soon. I don't know what to do!!
2006-06-07 06:52:40 · update #1
I am not sure why your employer would want you to take all your vacation times because you are entitled for that 6 weeks off after the delivery date.
I was on maternity leave last year and I took 5 1/2 months off (1 month prior to my due date and 4 1/2 months after the delivery date).
No matter what, you'll get 6 weeks off (8 week if c-section) after your delivery date (this is CA law w/ no exceptions). If you need additional time off after the 6 weeks, you can apply for 12 weeks unpaid CFRA (California Family Rights Act).
The California Family Rights Act (CFRA) was established to ensure secure leave rights for the following:
- Birth of a child for purposes of bonding
- Placement of a child in the employee's family for adoption or foster care
- For the serious health condition of the employee's child, parent or spouse
- For the employee's own serious health condition
In summary you are entitled for the following weeks off:
6 weeks of Family Paid Leave.
12 weeks of CFRA.
You will need to take 1 week of vacation (required by CFRA law) which is concurrent as the CFRA. But if you are not going take the CFRA, then you do not need to take 1 week of vacation.
http://www.paidfamilyleave.org/
http://www.dfeh.ca.gov/Statutes/cfra.asp
Good luck to you.
2006-06-07 08:33:49 · answer #1 · answered by Sincerely yours 2 · 0⤊ 0⤋
14 consecutive days, so 10 running days in case you do 'traditional' weeks and now not shift paintings. You nonetheless get your traditional annual depart entitlement however your enterprise could have further entitlements in situation for maternity and paternity depart and many others so it is valued at getting a duplicate of the maternity and paternity depart coverage out of your boss. Me and hubby have simply began mat and pat depart so are good versed on this! Make certain that you're taking your A/L earlier than maternity depart if you'll be on mat depart while the A/L yr alterations or you may also lose it (and I doubt your agency will remind you to take it!).
2016-09-08 21:51:02 · answer #2 · answered by klavon 4 · 0⤊ 0⤋
Put in for vacation before the baby is born. Take all of your sick/vacation days and then they cannot deny you maternity leave. It will be paid the six weeks and maybe you could pick up some detail work while you take your vacation time and bank that money. That is a sucky situation, and that sadly seems to be the only way to get all of your disability. My sister sold AFLAC for years, I'll try to e-mail her and ask if you'd qualify. I think it's only through employers though. I'dd edit my reply if she writes back. Good luck!
2006-06-07 07:04:15 · answer #3 · answered by -- 5 · 0⤊ 0⤋
If your company does offer maternity leave, then they cannot make you use your vacation time. When you speak with your boss, tell him that what are you to do when the child gets sick? Just call in and leave him without someone to do your job? Your child will be more likely to get ill if put into daycare that soon. If you can afford it, I would go onto maternity leave and use up my paid vacation, and then quit. You can find a job that will respect the fact that you are a female and have a family!!
2006-06-07 06:47:57 · answer #4 · answered by HCW 4 · 0⤊ 0⤋
In NJ the state disability covers you 4 weeks prior to delivery and then covers you for 6 weeks after delivery for vaginal delivery and 8 weeks for c-section. You can use any vacation time for additional time off. Or if you have any medical conditions (such as post partum depression) your doctor may extend your disability leave. I'm not too sure about California's standerds, though.
But in NJ its very common for working moms to return to work after 6 weeks of leave. Best of luck and i hope you get the most time available to you to stay home with your baby!
2006-06-07 06:34:05 · answer #5 · answered by camoprincess32 4 · 0⤊ 0⤋
Is there any way you can live without your salary for a few months? By Federal law, you're entitled to 3 months off under FMLA. not trying to put you in debt, but could you take out a second on your house, or a small personal loan?
2006-06-07 07:55:36 · answer #6 · answered by brevejunkie 7 · 0⤊ 0⤋
Take your vacation time then quit. Your not going to want to miss out on your baby growing up. It goes so fast! Just make some cut back in your budget.
2006-06-07 06:32:15 · answer #7 · answered by sweetie 4 · 0⤊ 0⤋
i agree with ^^^^^^ take vacation time and then quit my son is 4 months now and i just put him in day care to go back to work .... i didnt want to do it but i wanted to watch him grow up ya know ....
2006-06-07 06:34:11 · answer #8 · answered by xplaygirlx206 3 · 0⤊ 0⤋