So I just picked up short term disability with my job we are planning on getting pregnant in like Dec of this year, then I might stay at home after having the baby My questions is besides the disability and short term disable is there anything else I can get that will help me get an income while I am out on maternity leave?? or if I even plan on not coming back we want to know eveything we can get and start to plan for it now.
thanks in advanced
tonimike
Posted:
Member since
Re: insurance question please help
if your FH or Dh has medical insurance, if your not on his plan ow , see if you can go on as a domestic partner , you can then opt out on your completly & then maybe get some more momey ,, hth , this is what i plan on doin
hsacks23r
Posted:
Member since
Re: insurance question please help
Posted by tonimike
if your FH or Dh has medical insurance, if your not on his plan ow , see if you can go on as a domestic partner , you can then opt out on your completly & then maybe get some more momey ,, hth , this is what i plan on doin
I am the one with the ins I have to add him to my plan BUT I still dont under stand what you are saying???
LoveBug1124
Posted:
Member since
Re: insurance question please help
I work for an insurance broker and besides, disability, FMLA there isn't anything else. Many employers pay atleast half of your salary while you are out on maternity leave for the state mandated 12 weeks, check with your company you might get lucky.
As for not coming back at all I don't think there is anything you can do, if you leave you can't even get unemployment.
sr081906
Posted:
Member since
Re: insurance question please help
My company gives us 6 weeks (many do). If you have a C-section it would be a bit longer. And if you find a GREAT doctor he can extend the disability (but that's pushing it). Since this is a surgery, he would have to 'release' you. After that .... not much for you. The Family Act will let you keep your job but you will not get paid.
hsacks23r
Posted:
Member since
Re: insurance question please help
Posted by sr081906
My company gives us 6 weeks (many do). If you have a C-section it would be a bit longer. And if you find a GREAT doctor he can extend the disability (but that's pushing it). Since this is a surgery, he would have to 'release' you. After that .... not much for you. The Family Act will let you keep your job but you will not get paid.
I think Family act the company has to hold your job for 3 months for you
sr081906
Posted:
Member since
Re: insurance question please help
Posted by hsacks23r
Posted by sr081906
My company gives us 6 weeks (many do). If you have a C-section it would be a bit longer. And if you find a GREAT doctor he can extend the disability (but that's pushing it). Since this is a surgery, he would have to 'release' you. After that .... not much for you. The Family Act will let you keep your job but you will not get paid.
I think Family act the company has to hold your job for 3 months for you
Yes and you don't get paid. I don't know of any other solutions there. Disability is the only 'way out' for this one. But you have to be careful with insurance. Maybe someone else knows and wants to share with us!
tonimike
Posted:
Member since
Re: insurance question please help
Posted by hsacks23r
Posted by tonimike
if your FH or Dh has medical insurance, if your not on his plan ow , see if you can go on as a domestic partner , you can then opt out on your completly & then maybe get some more momey ,, hth , this is what i plan on doin
I am the one with the ins I have to add him to my plan BUT I still dont under stand what you are saying???
What Im saying is , By law , if your company pays for your insurance then if u opt out they have to pay u the diffreence,, IE i have medical & so does fh, Im going to be going on his medical, & as long as I prove this to my job that I am being covered under his policy I opt out of mine & then get a extra $600 a year from my job , you should look into that ,
hsacks23r
Posted:
Member since
Re: insurance question please help
Posted by sr081906
Posted by hsacks23r
Posted by sr081906
My company gives us 6 weeks (many do). If you have a C-section it would be a bit longer. And if you find a GREAT doctor he can extend the disability (but that's pushing it). Since this is a surgery, he would have to 'release' you. After that .... not much for you. The Family Act will let you keep your job but you will not get paid.
I think Family act the company has to hold your job for 3 months for you
Yes and you don't get paid. I don't know of any other solutions there. Disability is the only 'way out' for this one. But you have to be careful with insurance. Maybe someone else knows and wants to share with us!
so are you going back to work or now a stay at home mom???? does that make a diff with the ins????
hsacks23r
Posted:
Member since
Re: insurance question please help
Posted by tonimike
Posted by hsacks23r
Posted by tonimike
if your FH or Dh has medical insurance, if your not on his plan ow , see if you can go on as a domestic partner , you can then opt out on your completly & then maybe get some more momey ,, hth , this is what i plan on doin
I am the one with the ins I have to add him to my plan BUT I still dont under stand what you are saying???
What Im saying is , By law , if your company pays for your insurance then if u opt out they have to pay u the diffreence,, IE i have medical & so does fh, Im going to be going on his medical, & as long as I prove this to my job that I am being covered under his policy I opt out of mine & then get a extra $600 a year from my job , you should look into that ,
no that will not help Dh does not have ins- he runs his own company that is why I have to add him to my ins......and If I do it at any other time then open enrollment I have to pay all the back months so we got married 5/13/06 if I add him on in Dec I have to pay since 5/13/06....but if I do it at open enrollment then I pay from that day on ( I think that is sooooo redicuals)
sr081906
Posted:
Member since
Re: insurance question please help
Posted by hsacks23r
Posted by sr081906
Posted by hsacks23r
Posted by sr081906
My company gives us 6 weeks (many do). If you have a C-section it would be a bit longer. And if you find a GREAT doctor he can extend the disability (but that's pushing it). Since this is a surgery, he would have to 'release' you. After that .... not much for you. The Family Act will let you keep your job but you will not get paid.
I think Family act the company has to hold your job for 3 months for you
Yes and you don't get paid. I don't know of any other solutions there. Disability is the only 'way out' for this one. But you have to be careful with insurance. Maybe someone else knows and wants to share with us!
so are you going back to work or now a stay at home mom???? does that make a diff with the ins????
Not a mom yet... but will try this summer. I already 'investigated' on the subject.
hsacks23r
Posted:
Member since
Re: insurance question please help
Posted by tonimike
Posted by hsacks23r
Posted by tonimike
if your FH or Dh has medical insurance, if your not on his plan ow , see if you can go on as a domestic partner , you can then opt out on your completly & then maybe get some more momey ,, hth , this is what i plan on doin
I am the one with the ins I have to add him to my plan BUT I still dont under stand what you are saying???
What Im saying is , By law , if your company pays for your insurance then if u opt out they have to pay u the diffreence,, IE i have medical & so does fh, Im going to be going on his medical, & as long as I prove this to my job that I am being covered under his policy I opt out of mine & then get a extra $600 a year from my job , you should look into that ,
no that will not help Dh does not have ins- he runs his own company that is why I have to add him to my ins......and If I do it at any other time then open enrollment I have to pay all the back months so we got married 5/13/06 if I add him on in Dec I have to pay since 5/13/06....but if I do it at open enrollment then I pay from that day on ( I think that is sooooo redicuals)
hsacks23r
Posted:
Member since
Re: insurance question please help
Posted by sr081906
Posted by hsacks23r
Posted by sr081906
Posted by hsacks23r
Posted by sr081906
My company gives us 6 weeks (many do). If you have a C-section it would be a bit longer. And if you find a GREAT doctor he can extend the disability (but that's pushing it). Since this is a surgery, he would have to 'release' you. After that .... not much for you. The Family Act will let you keep your job but you will not get paid.
I think Family act the company has to hold your job for 3 months for you
Yes and you don't get paid. I don't know of any other solutions there. Disability is the only 'way out' for this one. But you have to be careful with insurance. Maybe someone else knows and wants to share with us!
so are you going back to work or now a stay at home mom???? does that make a diff with the ins????
Not a mom yet... but will try this summer. I already 'investigated' on the subject.
o ok so you went thru all these ?? all ready we are such planners :)
sr081906
Posted:
Member since
Re: insurance question please help
Posted by tonimike
Posted by hsacks23r
Posted by tonimike
if your FH or Dh has medical insurance, if your not on his plan ow , see if you can go on as a domestic partner , you can then opt out on your completly & then maybe get some more momey ,, hth , this is what i plan on doin
I am the one with the ins I have to add him to my plan BUT I still dont under stand what you are saying???
What Im saying is , By law , if your company pays for your insurance then if u opt out they have to pay u the diffreence,, IE i have medical & so does fh, Im going to be going on his medical, & as long as I prove this to my job that I am being covered under his policy I opt out of mine & then get a extra $600 a year from my job , you should look into that ,
I have to look into that. I am going to switch insurance (go under FH's ins) since his is cheaper than mine. We have 30 days from the wedding day to do it since my company does not allow out of enrollement date changes (unless marital status change, baby, etc...).
Are you saying that by 'saving' my company money (since they don't have to pay for a portion of my health insurance) they could give me a money incentive to do so?
sr081906
Posted:
Member since
Re: insurance question please help
Posted by hsacks23r
Posted by sr081906
Posted by hsacks23r
Posted by sr081906
Posted by hsacks23r
Posted by sr081906
My company gives us 6 weeks (many do). If you have a C-section it would be a bit longer. And if you find a GREAT doctor he can extend the disability (but that's pushing it). Since this is a surgery, he would have to 'release' you. After that .... not much for you. The Family Act will let you keep your job but you will not get paid.
I think Family act the company has to hold your job for 3 months for you
Yes and you don't get paid. I don't know of any other solutions there. Disability is the only 'way out' for this one. But you have to be careful with insurance. Maybe someone else knows and wants to share with us!
so are you going back to work or now a stay at home mom???? does that make a diff with the ins????
Not a mom yet... but will try this summer. I already 'investigated' on the subject.
o ok so you went thru all these ?? all ready we are such planners :)
Yep... FH and I are real planners. He actually looked into it before me..
