insurance question please help repost

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

Re: insurance question please help repost

I am out on disability right now and am using my sick, personal and vacation time right now so I continue to get a regular paycheck. Once that has been exhausted I will use my short term disability insurance which is about 50% of my income plus whatever the state gives me. It's not a lot but it will help.

Re: insurance question please help repost

That is what we are planning on doing
BUT is ther anything else out there???
after the short term runs out
i get 5weeks thats all
If I have long term does that kick in once the short term ends??? is there anything else out ther we can start to put $$$ towards???

Re: insurance question please help repost

No...there is no other income replacement other than company-paid leave such as vacation, sick time, short term disability insurance which will give you a certain % of your income up to a certain amount minus what the State will pay you (for instance mine covered 80% of my pay, up to $1000 per week minus the $175 that NYS disability will send you) Even though I make more than what they cover, they said that they do not cover above the maximum at all. Your disability is also taxable. The first 5 days of "disability" are considered "on your own"...you must use your company paid leave for them, none of the insurance companies will pay nor will NYS. You get payments for 6 weeks after the birth on short term disability regardless of type of birth. You can an extra 2 weeks of $175 payments from NYS if you had a c/s.
There is long term disability, just in case GOD FORBID, you had medical issues that prevented you from going to work. Long term is NOT for newborn care. So it does NOT kick in unless you have (again GOD FORBID) medical problems as a result of the birth.

Some women try to go out on disability from their dr 2 weeks prior,use the insurance and save their vacation for AFTER the 6 weeks post-partum are up.

Message edited 6/22/2006 3:36:41 PM.

Re: insurance question please help repost

well after talking with the ins lady she said we get the 5 weeks PLUE\se NYS disablity....but that is all.. so I guess we have to save save save