Sooooooooo, filling out my new employee forms, the old "do you want to pay for short-term disability insurance?" question popped up. This option wasn't available with my first pregnancy (read: I had no insurance way back then), thus this is a completely new path for me. My current options for it are about $40 a month for the 7 day exclusion option or $20 for the 30 day exclusion option.
I remembered that other women I know mentioned using it during their maternity leave, so it begs the question: Can I? My quick fingers googled on my iPhone for answers (it popped in my head while I was at work and I HAD TO KNOW then). Alas, the results were not very helpful. Most of the answers applied towards the surrogate mother and not the intended parent (IP). Switched to googling about people who adopt and one answer returned that they could not. STD benefits (I giggle every time see the acronym) used in the context of maternity leave is allowed because of a woman's need to recover physically. That said - tiny print on a phone, especially when most of the results are on forums, is not full of awesome.
The uncertainty made me think I should to ask a professional, which was great because we already needed to contact our attorney about the next steps. She had told us that if we were successful with IVF then we would need to petition the court to have my name put on the birth certificate (instead of our GC's) during our 2nd trimester. We kept forgetting except at times where emailing/calling her wasn't practical, and thus having this questions (and wanting a fast answer) reminded and motivated us to contact her ASAP.
Side note: attorneys for this process is NOT cheap. This was a cost we didn't account for well. In India it was either included or only a few hundred dollars extra. We naively thought since my SIL was our GC that we would not need an attorney, but our fertility clinic informed us to the contrary. Our total cost for this is around $6500 as explained at the bottom here, with our second payment coming up.
The email I sent was as follows (with the boring parts taken out):
The email she sent back was hopeful, but I'm still a little wary:
While I'm waiting for our discussion (is it possible she hasn't been asked this before?), I wanted to check in with you guys. For those of you that have used adoption or surrogacy, what was your experience? How does pre-existing conditions fit into all of this? For the ladies out there - did it change if you induced lactation? For the gay men out there: did you get to use short term disability?
Curious minds want to know. (Plus there really does seem to be very little info on it out there - at least if you can't sift through hours and hours of forum stuff that doesn't apply to you.)
Thanks in advance my peoples of the interwebz!
I remembered that other women I know mentioned using it during their maternity leave, so it begs the question: Can I? My quick fingers googled on my iPhone for answers (it popped in my head while I was at work and I HAD TO KNOW then). Alas, the results were not very helpful. Most of the answers applied towards the surrogate mother and not the intended parent (IP). Switched to googling about people who adopt and one answer returned that they could not. STD benefits (I giggle every time see the acronym) used in the context of maternity leave is allowed because of a woman's need to recover physically. That said - tiny print on a phone, especially when most of the results are on forums, is not full of awesome.
The uncertainty made me think I should to ask a professional, which was great because we already needed to contact our attorney about the next steps. She had told us that if we were successful with IVF then we would need to petition the court to have my name put on the birth certificate (instead of our GC's) during our 2nd trimester. We kept forgetting except at times where emailing/calling her wasn't practical, and thus having this questions (and wanting a fast answer) reminded and motivated us to contact her ASAP.
Side note: attorneys for this process is NOT cheap. This was a cost we didn't account for well. In India it was either included or only a few hundred dollars extra. We naively thought since my SIL was our GC that we would not need an attorney, but our fertility clinic informed us to the contrary. Our total cost for this is around $6500 as explained at the bottom here, with our second payment coming up.
The email I sent was as follows (with the boring parts taken out):
I have a quick question that I think I know the answer to, but maybe you could shed some light. I'm filling out my new employee forms for a job and I have the option to take short term disability. I know pregnant women often use short term disability to receive partial pay while they are on maternity leave, but I'm not sure if we can use it in our case - or if it's even considered a pre-existing condition. Since it could make such a big difference for us, I want to make sure before I turn it down. I don't think I qualify for FMLA since I haven't been employed for a year. I've been a contractor for 6+months, but was just converted to employee status last week.
The email she sent back was hopeful, but I'm still a little wary:
If you have the opportunity to obtain short term disability, I would suggest you take it. Yes, many mothers use it for maternity leave and I see no reason why it would not be applicable to you! Call if you would like to discuss.So I emailed her this:
Great thanks! When would be a good time to call? For some reason I was under the impression that it applied for maternity leave because the mother goes through something physical (body recovering), but that it didn't apply just for care of children (like adoption). Also wasn't sure if it would be considered pre-existing.
While I'm waiting for our discussion (is it possible she hasn't been asked this before?), I wanted to check in with you guys. For those of you that have used adoption or surrogacy, what was your experience? How does pre-existing conditions fit into all of this? For the ladies out there - did it change if you induced lactation? For the gay men out there: did you get to use short term disability?
Curious minds want to know. (Plus there really does seem to be very little info on it out there - at least if you can't sift through hours and hours of forum stuff that doesn't apply to you.)
Thanks in advance my peoples of the interwebz!
