My husband and I want to start a family, but I have some questions and concerns, and perhaps some of you can help me: I work through our insurance, if I want to use their working hours after the child had a little ‘I lost my insurance until I return to work? Who know that they usually only pay your maternity leave? (I have Blue Cross Blue Shield of whether the difference?) Even with my husband and me that each year some 52,000 to 30,000 I did this, so I affraid I’ll go back to work, the reality is not what I want my baby. I hate the day care quickly. We did not qualify for any assistance, let me stay at home? We live in Florida thank you in advance to anyone who can help! The company is a large – is the United States Department of Veterans Affairs, so I federal, my husband is an installer of small companies fence. We believe that he stayed at home, rather than to me, is your concern, Air Force fight for ideas. We are leasing (650.00 months), but will move to two bedrooms, rather than a bedroom. (This may be 750. 00-800. 00) – there are two cars were paid about 700. 00 months (can not be sold because they are down for a loan … Ugggg!) – In addition we have almost no debt, because I was in last month 3000 1500 paid a fee, from my spoon (or 401k) loans – We are rich, we were back 20 years. . The 22 will turn into a couple of weeks later. The reason why we try so early, because his father was old, had no grandchildren also add we are very responsible, no drinking, no drugs, most of the institutions and expectations of parents!
Feb 182010
i believe they will only cover you for two months
You can get pregnancy disability leave through the unemployment department. You can also take Paid Family Leave. So you will be paid (not much) when you are home with the baby. Your doctor will tell you all about that, or you can call the Employment Development Deparment in your area. Good Luck!!!!
keep taking about it and try to put youself in his shose and just keep talking about it then make your desion
Is it possible for your husband to stay home a few days a week with the baby? because it sounds like youre the one who would need to work more…I hate day care also, worked in a few of them and can say first hand that some of the people Ive seen working with children should NOT be there!!! Any family nearby who can take care of the baby? If you arent pregnant yet but are planning on it, maybe your husband can start looking at new jobs? This is a toughie!
As long as you are continually employed you will be covered through your maternity leave, (6-8 weeks). If you want to stay home permanently you will lose your coverage when you quit.
I would suggest that you wait to have the child until you can afford it, you should save some money in the bank so you can only work part time. Only you can know if you can afford it. Could you pay all your bills, eat, put gas in the car, pay for insurance, feed a child on what your husband makes?
Most states won’t allow you to stay home full time and collect government money, you would have to work at least part time. You can always find a friend or family to watch your child a few days a week, or take your time and find a good day care too.
You don’t lose your insurance you do go on state disability, at least in California. I would think as long as your on maternity leave your covered but you should ask HR about that part.
As far as living on assistance you will have to check with your social services regarding the minimum amount earned but usually they only help unwed mothers. That is why so many don’t marry because they get assistance from the state, if they don’t marry the father. It legitimitizes never marrying cause you get help from the state.while married couples struggle, the ones that don’t say where the father is living gets help. Its sooo wrong.
After you have the baby, you’re entitled to six weeks maternity leave (in New York State, anyway, I assume it’s the same across the country) or 8 weeks if you have a section. During the leave you can collect disability insurance and the company is required to continue your benefits while you’re out, and must give you job back when you return, with no loss in seniority.
The family medical leave act might also also apply if it’s a larger company. Here you’re entitled to 6 months unpaid leave, but I’m not sure about the benefits during this period.
There are ALOT of factors involved in your question. What are your bills like? Mortgage, Rent, Free? Credit Cards, etc? To give you an idea….My husband made about 70,000 when our little one was born. I stopped working because I was only bringing home 15,000 a year and it was really just paying or mortgage and gas. His check paid for everything else.
The cost of baby tends to get expensive but depending again on your situation, you might be able to do it. I would just sit down, add up all your bills and figure out if you really want to eat or have a life. Then add up all the costs of feeding, diapering, cleaning a baby, dressing a baby. Yeah you will get a lot of things from baby showers and friends but the clothes only last up until about 6 months. Formula is way too expensive if you ask me but of course Breastfeeding is free. Diapers are expensive for something that is used for 3 hours tops! But you can always use cloth. Just draw out a plan, decide if you can do it and if not, have a relative or close friend care for the child or even work PT if it permits. Good Luck and Congrats on your TTC!
You can go to your Human Resources department at work and ask about maternity leave. Not all companies offer the same amount of time. Your employer does choose the amount of insurance coverage they want for their employees, they are the ones to ask. There are different levels of coverage for BCBS, so you need to find out specifically what the coverage is at your office. My employer offered 12 weeks paid for new moms and dads! There are state and federal laws about maternity leave, but you need to ask what your boss is willing to pay for.
Secondly, if you decide to leave your job you can take your coverage with you for one year, through COBRA insurance. Your employer’s Human Resources department should have an employee handbook for your regarding your insurance coverage.
Lastly, your entire family can switch to your husbands health plan if his job offers health insurance. He can go to his Human Resources department at work and inquire about insurance plan costs. They’ll probably be very helpful and let him know ahead of time what that would cost. You can usually add your spouse and kids to your plan without any trouble at all.
If there is any way for you to stay home, stay home. We made do on one salary and wouldn’t have it any other way. I’m a college graduate that had a great career, but I would rather be home with my kids than anything in the world. It’s THAT good.
Whatever you decide, best of luck to you.
My advise is to wait. If you are asking about getting assistance, then dont have a baby. I honestly don’t think you would be able to get assistance just because you want to stay home.
God you are young! wait….start a bank account….when you can gather together a little nest egg….maybe then…you can take three months off (unpaid) and your insurance will cover you for 6 weeks of that….after the 6 weeks is over..you will be offered ‘COBRA’ which means you make the payment to the insurance company instead of your employer…its expensive, but then you wont loose your insurance….when you return to work…your company will pick it up again….it sounds like you have a good gig…federal…ill bet you get a nice pention if you stay with it! you should consider your husband staying home more closely!