tag:blogger.com,1999:blog-8305426181346426926.post1165129549211643902..comments2023-06-09T02:39:54.793-07:00Comments on A Passage to Baby: Question of the Week: What's Up with Short-Term Disability Insurance?A Passage to Babyhttp://www.blogger.com/profile/13190701499572333220noreply@blogger.comBlogger13125tag:blogger.com,1999:blog-8305426181346426926.post-83424202589410090362014-10-01T14:32:29.350-07:002014-10-01T14:32:29.350-07:00Hi, I was wondering what the name of the clinic yo...Hi, I was wondering what the name of the clinic you went through in India was, if you recommended it, and if they do IVF for single woman? Any advice on this subject would be greatly appreciated! thank you! FertilitySFhttps://www.blogger.com/profile/05707304317021625169noreply@blogger.comtag:blogger.com,1999:blog-8305426181346426926.post-35165348463228620662013-06-18T13:23:30.176-07:002013-06-18T13:23:30.176-07:00Everything you said is correct and does not confli...Everything you said is correct and does not conflict with what I said. People (employees who qualify, that is) who have given birth to a baby are protected from getting fired for 12 weeks of unpaid leave. During that time, they are also often covered by Short-Term-Disability Insurance which provides them (usually partial) pay for a short term. As I mentioned above, this is usually 6 or 8 weeks for childbirth. (For other 'injuries' or disabled conditions, the length of time you would receive payment on short-term or long-term disability is determined by your doctor and insurance company.) STD has nothing to do with protecting you from getting fired, it is insurance just like medical insurance. It provides you money while you are unable to work for some medical condition. You cannot take it for "any extenuated unpaid leave" as you say - it has to be for a leave in which a doctor said you are unable to work. The conditions are defined by your insurance company. You STD probably does pay out for UP TO 180 days.. that length of time very rarely has anything to do with childbirth. That might be in the case of someone going through cancer treatment or a severe car accident. At 180 days, you would switch to long-term disability coverage.<br /><br />That said, some employers are more generous than others and explicitly cover adoptive parents or approve leave for newer employees. It doesn't hurt to ask. Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-8305426181346426926.post-49689074641653699692013-06-15T07:48:51.706-07:002013-06-15T07:48:51.706-07:00I thought was STD you can take it for any extenuat...I thought was STD you can take it for any extenuated unpaid leave, but if you qualify for FMLA (which I don't) then people take it together so they have an income. The FMLA would protect you legally from getting fired, the STD wouldn't. Is this incorrect? <br />At least that is my understanding since STD can happen for any number of reasons. STD pays out for 180 days, which is far past the FMLA, so it doesn't make sense that you could only use STD with FMLA. Especially since many disabilities happen completely unrelated to FMLA. <br /><br />Random thoughts running through my brain. A Passage to Babyhttps://www.blogger.com/profile/13190701499572333220noreply@blogger.comtag:blogger.com,1999:blog-8305426181346426926.post-26780064213454629672013-06-10T11:52:05.489-07:002013-06-10T11:52:05.489-07:00STD is for receiving partial pay while your doctor...STD is for receiving partial pay while your doctors deems you unable to work. Typically this is 6 weeks after a vaginal delivery or 8 weeks after a c-section. Your insurance will want a statement from your doctor certifying your short term disability. Since you won't have been through either the delivery or c-section, you won't be paid from insurance. Also typical: FMLA is the 12 weeks you are granted of unpaid leave after the birth or adoption of a child (or to care for a family member) and STD is payment you receive during that time, not before or after or in addition somehow. FMLA is only required by law to be provided for employees of 1+ years and by employers of more that 50 workers. Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-8305426181346426926.post-75166110497766366652013-06-02T18:57:55.179-07:002013-06-02T18:57:55.179-07:00Sent you an email!!!! I was just going to look for...Sent you an email!!!! I was just going to look for yours to ask you about some other stuff too!A Passage to Babyhttps://www.blogger.com/profile/13190701499572333220noreply@blogger.comtag:blogger.com,1999:blog-8305426181346426926.post-23551722763152182432013-06-02T14:52:39.728-07:002013-06-02T14:52:39.728-07:00babydreams2011 AT gmail DOT com, email me, I can&#...babydreams2011 AT gmail DOT com, email me, I can't find one for you!Babydreams2011https://www.blogger.com/profile/05773401619234656260noreply@blogger.comtag:blogger.com,1999:blog-8305426181346426926.post-78352985185907087972013-06-02T14:48:15.052-07:002013-06-02T14:48:15.052-07:00I will email you!I will email you!Babydreams2011https://www.blogger.com/profile/05773401619234656260noreply@blogger.comtag:blogger.com,1999:blog-8305426181346426926.post-40279896003931561022013-06-02T10:13:31.055-07:002013-06-02T10:13:31.055-07:00Oh wow. Do you remember the lawyer you looked at i...Oh wow. Do you remember the lawyer you looked at in GA? We paid around 2500 for the pre-birth contract, but were told by 2 attorney's (at the time of the pre-birth contract) that the pre-birth orders would be 4-5k. A Passage to Babyhttps://www.blogger.com/profile/13190701499572333220noreply@blogger.comtag:blogger.com,1999:blog-8305426181346426926.post-90807211311899232182013-06-01T19:25:54.837-07:002013-06-01T19:25:54.837-07:00From what I have seen with other IPs over the year...From what I have seen with other IPs over the years, they weren't allowed to use STD.. Only the surros were allowed (My SIL used it and we also got an AFLAC policy for her to help cover costs not covered by insurance, it was a lifesaver!)<br /><br />Wowza on the attorney costs! I was shocked when I was researching surrogacy lawyers at how vast the difference is in pricing state to state and even lawyer to lawyer in the same state! In GA, I paid 2500 for contract (if a successful pg had been achieved, it would have been $2500 more for pre-birth orders) in FL I was quoted $5550 for contract and pre-birth order and in TX, I ultimately paid $3500 for contract and pre-birth order and an additional $274 in filing fees.. Babydreams2011https://www.blogger.com/profile/05773401619234656260noreply@blogger.comtag:blogger.com,1999:blog-8305426181346426926.post-49027823991175161822013-06-01T15:25:59.925-07:002013-06-01T15:25:59.925-07:00That's what I was thinking as well. We are in ...That's what I was thinking as well. We are in the south, and these things tend to fall on the side of companies here. A Passage to Babyhttps://www.blogger.com/profile/13190701499572333220noreply@blogger.comtag:blogger.com,1999:blog-8305426181346426926.post-16920035147126756422013-06-01T15:24:26.124-07:002013-06-01T15:24:26.124-07:00Yea, mine is a Fortune 500 company as well. And I ...Yea, mine is a Fortune 500 company as well. And I know I don't even qualify for FMLA since I won't have worked there for a year. Sigh. A Passage to Babyhttps://www.blogger.com/profile/13190701499572333220noreply@blogger.comtag:blogger.com,1999:blog-8305426181346426926.post-10709379505277387042013-06-01T14:28:03.930-07:002013-06-01T14:28:03.930-07:00I live in NY and working in NY/NJ and our short te...I live in NY and working in NY/NJ and our short term disability policy does not cover adoption or surrogacy. After speaking to our attorney it fall into the " gray" area just like deducting medical care for your surrogate from your taxes - since your not pregnant you can't deduct treatment and you don't Qualify for Std in NY/NJ.<br /><br />I will get paid maternity leave and my insurance will be paid for at a prorated amount <br /><br />I am so glad to hear the babies are healthy and doing well. Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-8305426181346426926.post-89605819462295906872013-06-01T12:03:56.041-07:002013-06-01T12:03:56.041-07:00I did not get to use STD. I work for a Fortune 500...I did not get to use STD. I work for a Fortune 500 company and was even denied time off after our babies were born. I fought them tooth and nail on this - threatened a lawsuit and contacted the department of labor as this is in clear violation of the FMLA law. Ultimately we got 3 months off for bonding time under FMLA but it wasn't easy. Good luck!Ryan and Rubenhttps://www.blogger.com/profile/00001083522138067908noreply@blogger.com