I will get laid off in a few weeks and 4 months pregnant. Will I lose my short-term disability?

Question

I have worked for the same company for 7 years. I would have have been eligible for 12 weeks of short-term disability.

I have worked for this company in California for 7 years. With our short-term disability/paid leave benefits I would have been eligible for 12 weeks of paid disability. They are moving my position to another city.

I should also be eligible for 8 weeks severance for years of service, but will that mean I will not be able to claim short-term disability?

Answer 1

It depends on the terms of the disability contract.

Most modern DI policies exclude normal pregnancy.

And, I'm betting that your DI company will look very hard at a "disability" that starts on the day before you lose your job.

If you have complications of pregnancy that would keep you from working, then that might be a valid DI claim.

Answer 2

Those who are not eligible or do not want to pay the high premium for COBRA coverage use a "COBRA alternative. This term is simply a name for any comprehensive medical insurance that is available to replace the group health insurance coverage. www.MedSave.com has a list of low cost health insurance plans that typically cost less than half of the cost of COBRA. In most cases coverage can be issued online and a policy and ID card printed immediately.

Another health insurance option is called an "individual conversion". This allows a terminated employee to keep the same health coverage without the involvement of the employer. The group health insurance is simply converted to an individual insurance with no gap in coverage and no need to meet medical eligibility requirements. This health benefit is not guaranteed by law but most health insurance companies do offer an individual conversion program. Some workers are eligible for either COBRA benefits or an individual conversion. In this case, it makes sense to call the insurer for details on either option. For more information, simply call the current insurance company's member support department and use the term "individual conversion" so that the office understands your specific request.

Answer 3

Sign up for unemployment. You most likely will lose your insurance and your disability when you are laid off. Don't know anyone who doesn't. I am sure your state has some sort of state insurance program, feel free to sign up for that as well as any other benefits you can get, food, rent, what ever. You are the person that these benefits are for as you don't intend to stay down, you just don't have a way to get back up for the next 4 months or so!!

Answer 4

That is a real bummer on your benefits.
Sheesh.

A baby is damaged by more than 10 hours a week of separation from mommy, even if the substitute caregiver is grandma, daddy, or mary poppins. This separation doesn't only damage the chid intellectually, emotionally, socially, and physically - it also damages the family relationship, the marriage, and the approval the daddy feels for the child!

It could in the long run be much better for you all that you were laid off. Let's hope so anyway.

Isn't it a shame we don't have at least a year of paid maternity leave, social security credits for mommys, and universal health care?

Answer 5

No as long you have been working there for a certain time, they need to give you seperation papers, take to UI fill form you might it within 4 / 6 week. Make sure you get the papers from your employer at that last day of layoff, then go claim it right away. Your entile one year claim, don't worry you'll be just fine.You might get your disability early or start with you with regular benitfits then when your time for the term is due they will renew you file.Please don't make any delays on the seperation paper issue, because it'll just prolong things.

Answer 6

if they are laying you off because your are pregnat, that is illegal... but if they are just cutting some positions, then you need to read fine print when you signed for short-term, sometimes there are "hidden messages" but usually when you are out of work and dont work for the company, the answer is no you will not get short-term disability, althoguh you should look into the unemployment, some companies offer you to get paid each month, as part of the unemployment....

hope this helps
POPO!

Answer 7

What state are you in?

Don't confuse COBRA to continue your medical insurance coverage with your state's Disability Insurance Program.

Answer 8

You can usually take those types of things with you when you go, but you should check with human resources to be sure. You can get COBRA insurance through your job, too. Ask about both.

Answer 9

If you are not eligible for it at the time you get laid off I do not believe you will get it. Check with your HR department.

Answer 10

since you are only getting laid off, you might want to ask a human resources person about that.