Insurance & maternity leave?

Question

Odd question I came up with tonight.

As of now, my health insurance is through my job, this may change based on my husband getting a full time teaching job in the fall though. I pay $30 per check for my insurance, of course I'll have to pay more once the baby is born, I'm thinking it's around $120 per check (yes, huge difference). My state & employer offer no paid leave, the only pay I'll be getting is any sick days or vacation days I have at that point. I plan on taking the full 3 months I'm allowed, if I'm lucky I'll end up getting paid for maybe 4 weeks of that.

If you've had this expierence, what happens with your insurance? Will I be billed? Of course I plan on asking my employer how this works, but I can't do that to next week & I'm curious if anyone else has had anything like this occur & tell me how it was handled. Thanks in advance.

I'm in West Virginia. And private insurance here that we'd previously looked into is actually more expenisve. The $120 is around average, low average at that. At my husband's current employer, insure would be $165 per check. Plus, on the bright side, it's pretty decent coverage with no deducatable & 90% coverage for visits & such.

Also, I've checked. In my state, everything I've found says 3 months only, not 4.

Answer 1

Yes, if you aren't receiving any paychecks, your employer will most likely be writing to you to get payment for your insurance premiums.

Have you been paying into short term disability insurance? If so, contact the company because you will be disabled for 6 weeks if you have a vag. childbirth, and 8 weeks if you have a cesarean. That helps out a little bit. I think I got 350 per week. It is not taxable either.

Answer 2

I'm not sure what state you are from but I live in Ohio. My insurance premiums come out of my weekly paycheck at the amount of $10.00 for the entire family. I am currently 25 weeks pregnant and filed for FMLA (family medical leave act). It is unpaid, but protects my job while I am gone. It also covers me in case I have any pregnancy issues that require me to quit working. Our company offers Short Term Disability. The day I go on leave I call the company and they send me weekly checks. As far as my premiums, I am required by the company to write them a weekly personal check and drop it off. If no money is received for 30 days the insurance cancels without notice. Cograts on baby. Hope you can figure out what to do. I would really consider a new insurance company, $130.00 a week is rediculous. You could carry private insurance for cheaper than that a month.

Answer 3

I was trying to get the same information and here is what I learned There is a Short Term disability program that covers up to 3 months I think, and then Long Term disability by Aflack. It usually has to be offered by your employer or at least see if your employer will deduct the monthly payments from you payroll. It doesn't matter why you have to take off of work it will conver the time off, including for pregnancy. I asked. However you have to have the policy in place at least 10 months before you have the baby. So at least one month prior to pregnancy. I had aflack before through a different employer and I had to take time off of work because I broke my leg, and let me tell you it was a life saver. So if you arn't pregnant yet, I would look into it for sure!!! Good luck

Answer 4

assuming you're in America. the fmla act states that if you've been at your job for 1 year and have worked 1250 hours (i believe, you may want to double check) in that year then you entitled to three months maternity leave (again, it may be four months, check) but it doesn't require your employer to pay you.
and depending on which health insurance carrier and which plan you chose, you will be billed accordingly.
you can call your health insurance carrier - the number should be on the back of your card.

Answer 5

I can really only tell you my experience as a small business owner. I assume that the 3 months your talking about is the Family Medical Leave Act (FMLA). Your employer is required to continue your benefits, and you must continue to pay your portion. Since this is a forseeable event, you will need to provide your doctor with written notice a minimum of 30 days before you intend to start your leave. They are allowed to require a note from your doctor (though with pregnancy and birth they probably won't) and can even request a note that you are cleared medically to return to work. Here's a link with a basic bullet-style readout on FMLA: http://cgi.ebay.com/ws/eBayISAPI.dll?ViewItem&ih=001&sspagename=STRK%3AMESE%3AIT&viewitem=&item=110120689965&rd=1&rd=1 .

Answer 6

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