Maternity leave with STD/LTD/FMLA (USA) (2024)

I'm just curious as to how your company is covering for you to be out on maternity leave and if you are using short term disability or long term disability and how they are stipulating FMLA.
also, how are your insurance premiums getting paid while you are out of work?

My company is only covering me under FMLA for 12 weeks whether I use STD/LTD. So they will only hold and guarantee my position for 12 weeks. I also have to pay my insurance premium on my own by the 25th of each month while i'm out. My STD kicks in after 2 weeks.

My company only allows me up to 12 weeks FMLA for pregnancy/after birth (so if I have to be out any time prior to delivery or use FMLA for appointments, that is counted into that).

Since I've paid into STD, I am able to utilize that. My company has a policy that we use 5 days PTO before STD kicks in and takes over. STD pays 2/3 of each pay up to $400 & the company pays me the difference between my normal pay & what STD pays.

I believe that my premiums will still come out of the portion that the company pays.

STD will only pay for up to 6 weeks vaginal or 8 weeks c-section; however if I have to leave work prior to delivery, that is not included in post delivery coverage, but still counts towards my 12 weeks of FMLA.

momy2angel said:

I'm requesting 12 weeks of FMLA. Everything I've read said it runs concurrently with the 6 or 8 weeks of short term disability. After I exhaust my 12 weeks, I'm asking for 12 additional weeks under CFRA for "baby bonding." So a total of 24 weeks. If I take time before delivery, it cuts into my FMLA time so I'm working as much as I can before delivery. I've been told this is "unpaid" time and my job will not pay even a percentage. But for this pregnancy, I am using up ALL my sick time to cover all that time (I have a lot of accrued sick time that has accumulated over the years). My friend didn't have sick days so she only took time under FMLA. .... I have yet to get all this approved, so I'll keep you updated on whether or not I can get what I'm requesting. I'm letting them know in about a week. Not sure about the insurance premiums.

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What is CFRA? my company seems pretty set on 12 weeks is all I get regardless of how they are being used.

TeddyBearPug said:

momy2angel said:

I'm requesting 12 weeks of FMLA. Everything I've read said it runs concurrently with the 6 or 8 weeks of short term disability. After I exhaust my 12 weeks, I'm asking for 12 additional weeks under CFRA for "baby bonding." So a total of 24 weeks. If I take time before delivery, it cuts into my FMLA time so I'm working as much as I can before delivery. I've been told this is "unpaid" time and my job will not pay even a percentage. But for this pregnancy, I am using up ALL my sick time to cover all that time (I have a lot of accrued sick time that has accumulated over the years). My friend didn't have sick days so she only took time under FMLA. .... I have yet to get all this approved, so I'll keep you updated on whether or not I can get what I'm requesting. I'm letting them know in about a week. Not sure about the insurance premiums.

Click to expand...

What is CFRA? my company seems pretty set on 12 weeks is all I get regardless of how they are being used.

Click to expand...

CFRA= California Family Rights Act. Not sure if different states have different state laws similar to this. The information is online but I was first told about it from an attorney who deals with maternity leave issues. Like yourself, I am sure I'll get the FMLA time. The CFRA time may be more difficult. I'll be a mess if they give me a hard time. I just don't think 12 weeks is enough!