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

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

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]The number of people out here fighting for the rights of employers to shit all over moms has me despairing that things will ever change. You all sound like Pick Me’s for capitalism.

OP this sucks and is super gross, but try not to let it overshadow your joy. Congratulations![/quote]

Can two things be true? Can we fight for better benefits and also plan appropriately for the benefits we currently have?

I didn’t opt into short term disability because my policy had a 10 month waiting period for pregnancy. I then calculated how much it would pay out vs. how much I would have to pay in and realized by two years it wouldn’t cost more than it would pay out.

I also knew how to cover my maternity leave so I saved leave to cover it. I signed up for benefits that I researched and made sure worked for me. At the same time I am also a loud advocate for increasing the amount of paid leave my organization offers.

I also choose to work at a lower paying job because it has better benefits. I chose to stay at a job I didn’t like because it had better benefits.[/quote]

+1 I made the mistake of signing up for STD knowing we wanted to have a kid. Couple years of fertility struggles and by the time I gave birth the payout was less than what I paid in.

Better to just put away some money every month rather than sign up for these policies.

An STD plan doesn't work financially if people can sign up when they know they are trying to get pregnant.

I fully support employers giving paid leave to new parents. STD is not that - it is an insurance product.[/quote]

But the STD wasn’t just for childbirth - had you had an accident or some other condition that took you out of work, it presumably would’ve covered you. Insurance is not a 1-for-1 on paying into system versus claims making you whole. I would rather pay into a system that I don’t need rather than not paying and then needing it. [/quote]

When I was paying into it, the premiums not particularly cheap, and the payout wasn't very large. I have much more than that in my emergency fund.

Maybe the premiums are as high as they are because the only people who sign up for it are the people who know they will need it at some point. [/quote]

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