Expecting and I just found out I don't qualify for short term disability. America is not pro-life/pro-birth

[Anonymous]

Unfortunately, this is just the way the system is in America.

We know the system isn’t pro-employee/pro-benefits, which is why you need to proactively cover your bases by enrolling in coverage before you try to get pregnant.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:^^ no one finds out they are pregnant at their doctors appointment. It sounds like you knew you were pregnant, signed up for a short-term disability, delayed your doctors appointment a few weeks and are trying to get sympathy for attempting to game the system. You knew your company did not offer short-term disability. And you got pregnant knowing this and thought you could just sign up before it came to light. I mean it stinks for sure but I also understand the insurance company’s point of view

Blah blah blah blah blah.

The greater point is this country's medical system sucks and we are completely unsympathetic to issues related to working and raising children. She is 100% right that this country is not pro-birth. A working woman shouldn't be sol for maternity leave. PERIOD. Her title is absolutely correct. I was an IT person and not a single place I ever worked was family friendly. High performing women were treated like trash when out on maternity leave and when they came back. I was a great, high performing employee and my customer was so upset when she heard through the grapevine that dh and I were doing fertility treatments to get pregnant that there was actually a meeting with my managers to discuss my desire to have children. It was so inappropriate. So many women where I worked did not have children because of the pressures from the job. If you wanted to move up into management, you would pay for it if you had children.

Op I'm sorry you're facing this. The people accusing you of gaming the system are idiots who can't see the larger problem.

You're only seeing the larger problem and not seeing that she's also trying to game the system we have. The system should change, but getting angry about people who are playing by the rules as they exist now doesn't change anything.

If you want short term disability for pregnancy, pay for it all the years you aren't pregnant. That's how it works now. and that's how any changed system will also work. There's no magical system where you get it without paying.

How is it “gaming” the system if one doesn’t know they’re pregnant by the time of enrollment?

DP

I thought I read a few pages back OP was eligible for enrollment last year. Was OP eligible last year?

Yes, and she said because after the death of her mother (she wished she could’ve taken more than a week off due to her mental decline) she decided to opt into STD. The timing of STD and her being pregnant just happened to be unfortunate. The earliest she could’ve found out was late October (based on her due date), and enrollment was 10/25. That’s not gaming, just poor luck.

Meaning, FY 2024. The previous cycle. But I could have misread.

Yes - her employer needs to offer an annual open enrollment period. She joined in July 2024 and was offered benefits, would've been offered open enrollment in November 2024 for 2025, then again the open enrollment period was offered in November 2025 for 2026.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I will never get over all the shills here for insurance companies and employers effing over employees. Nothing will ever change because too many people have bought into the idiocies of the system

I will never get over people who call others “shills” for actually reading the policy information and playing by the rules. You sound hysterical.

It's a beyond dumb policy and please, come up with a new word. Hysterical is so overused especially when you're not using it correctly

No, what's dumb is not paying into the STD policy and assuming you can just pick it up when you need it.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I will never get over all the shills here for insurance companies and employers effing over employees. Nothing will ever change because too many people have bought into the idiocies of the system

I will never get over people who call others “shills” for actually reading the policy information and playing by the rules. You sound hysterical.

It's a beyond dumb policy and please, come up with a new word. Hysterical is so overused especially when you're not using it correctly

No, what's dumb is not paying into the STD policy and assuming you can just pick it up when you need it.

OP blames the insurance company policy when it is her entitlement that screwed her.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I will never get over all the shills here for insurance companies and employers effing over employees. Nothing will ever change because too many people have bought into the idiocies of the system

I will never get over people who call others “shills” for actually reading the policy information and playing by the rules. You sound hysterical.

It's a beyond dumb policy and please, come up with a new word. Hysterical is so overused especially when you're not using it correctly

No, what's dumb is not paying into the STD policy and assuming you can just pick it up when you need it.

OP blames the insurance company policy when it is her entitlement that screwed her.

basic rights isn’t entitlement…

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I will never get over all the shills here for insurance companies and employers effing over employees. Nothing will ever change because too many people have bought into the idiocies of the system

I will never get over people who call others “shills” for actually reading the policy information and playing by the rules. You sound hysterical.

It's a beyond dumb policy and please, come up with a new word. Hysterical is so overused especially when you're not using it correctly

No, what's dumb is not paying into the STD policy and assuming you can just pick it up when you need it.

OP blames the insurance company policy when it is her entitlement that screwed her.

basic rights isn’t entitlement…

You only have a right to insurance if you have ENROLLED IN A TIMELY MANNER AND PAID THE PREMIUM!

[Anonymous]

Anonymous wrote:same post here:

https://www.lipstickalley.com/threads/got-denied-short-term-disability-because-my-last-period-was-days-prior-to-open-enrollment-i%E2%80%99m-livid.6094462/

👀