Can I afford to stay on unemployment during pregnancy?

Submitted by Anonymous (not verified) on Sat, 09/13/2008 - 03:33

I am 7 months pregnant and was laid off, I do qualify for unemployment.

Should I stay on unemployment until I am ready to go back to work or should I (and would I qualify) file for disability and paid family medical leave once the baby is here?

Can I just stay on unemployment during pregnancy?

Posted: 13 Sep 2008 05:27 Post Subject: Can I afford to stay on unemployment during pregnancy?

I guess you can claim under the short term disability benefits, if you have such a policy in place.

The short term disability policies have the provision of covering the inability to work during the phase of pregnancy. Normally, the benefit begins two weeks before the childbirth and continues for six months after the birth of the child.

You can check with your employer for more details regarding unemployment during pregnancy .

~Jeremy

Posted: 13 Sep 2008 06:05 Post Subject: Can I afford to stay on unemployment during pregnancy?

Well, not all the states or companies consider pregnancy as a form of disability. Hence, you are required to find out if you have such coverage or not. Leave during pregnancy often get combined with the other leave, such as paid and unpaid leave. The disability insurance will reimburse for the unpaid leave. And it may compensate only for the 50% of the wage loss.

Unemployment on the other hand is least related to pregnancy. Unemployment insurance is meant to cover unemployment during pregnancy .

Regards,
Juanita

Posted: 13 Sep 2008 06:19 Post Subject: Can I afford to stay on unemployment during pregnancy?

Hi Juanita, does pregnancy get counted as a disability under normal circumstances?

What I've heard that one might face the threat of getting fired to seeking disability benefits for pregnancy. Is this true?

What rights the women can exercise to obtain the benefits without losing her employment?

Hope you can explain it for me!! :D

Posted: 13 Sep 2008 06:33 Post Subject:

Hi jeorge, thanks for putting forward these questions. You are right that the women often get subjected to discrimination during pregnancy. In fact, many women prefer skipping the benefits during pregnancy in the fear of losing jobs. However, they have some specific rights against such discriminations.

However, under normal conditions pregnancy doesn't qualify as disability. Hence, you may not attain the eligibility criteria to obtain the disability benefits for pregnancy. But, in case of certain physical conditions, the individual may qualify for the disability benefits,


  • If your pregnancy poses certain physical hazards which may result in your inability to stay in the job, you may get the benefits

  • If you suffer severe morning sickness.

  • Or, if you are prescribed by the physician to take bed rest.

  • if you experience complications during and after child birth, you may also get qualified for the coverage


Hope this explains.

Posted: 13 Sep 2008 07:37 Post Subject: Can I afford to stay on unemployment during pregnancy?

What rights the women can exercise to obtain the benefits without losing her employment?



The Pregnancy Discrimination Act prevents the employers from practicing discrimination against their female employees during pregnancy. Here are some highlights from the act..

  • An individual can't be prevented from seeking employment during the period of pregnancy.

  • You can seek disability coverage if you miss work due to pregnancy, and the employer is bound to treat you equally like other disabled workers. And you may receive benefits under the short term disability coverage.

  • The employer's provided health insurance policy must cover conditions related to pregnancy.


Regards,
Juanita

Posted: 13 Sep 2008 08:10 Post Subject:

Hi, I guess you have something called the unemployment insurance for that purpose. I have seen that it is the EDD that has to decide if the the claimant has the right to claim for the benefits. They would call the claimant for interviews. The employers would also be called along with their representatives & then a close scrutiny would be conducted over all the written statements. That's all I could tell you regarding unemployment during pregnancy. ArindamSenIndies

Posted: 13 Sep 2008 09:07 Post Subject: Can I afford to stay on unemployment during pregnancy?

The Pregnancy Disability Act was incorporated within the Civil Right Act during its amendment in the year 1978. This Federal Law prevents discrimination against the women in their workplaces during pregnancy. It prevents the employer to practice discrimination against the female employees in terms of hiring, promotion, receiving fringe benefits or perks, job security and firing.

PDA law requires the employers, who offer health and disability plans, to cover the female employees during pregnancy.

However, this law too has certain loopholes...

  • Employers with fifteen or less numbers of employees are not required to comply with the conditions of PDA.

  • Also, the employers who don't offer health insurance policy to their employees don't come under the purview of the Pregnancy Disability Act.


Thanks,
Rupert

Posted: 13 Sep 2008 09:43 Post Subject:

If you want coverage during pregnancy, you need to purchase the coverage before conceiving, because most of the insurers consider pregnancy as a pre-existing condition. Hence, if you don't act before hand, you may lose out the coverage.

Apart from the employer's provided coverage, you may also consider purchasing private disability policy, which covers conditions related to pregnancy. Also, this policy may help you in receiving larger coverage as the employer's disability policy may compensate you only partially.

~Jeremy

Posted: 15 Sep 2008 12:39 Post Subject:

Good point Jeremy in saying the condition was preexisting. Why do they disclude business's without insurance and under so many workers from the Preg. Dis. Act? A lot of the jobs women work at are under 15 employees unless it is factory or a bigger corporation.

Posted: 14 Nov 2008 05:58 Post Subject:

I was a aregnant and Doctor wrote restriction not to lift more than 25 pounds. My Employer stop me to work. H.R said "any kind of restriction cannot work, that is our company policy". Do I qualify for disability benefit?Insurance denied to pay benefit. What should I do?

Posted: 17 Nov 2008 12:06 Post Subject: Can I afford to stay on unemployment during pregnancy?

I'm not sure if the HR can actually say so….the employer can't exercise discrimination against the pregnant employee and is required to treat them equally. Do you have maternity leave in your workplace? The FMLA allows all pregnant female employees 12 weeks of maternity leave.

Anyway, there are several government aided programs that helps the mother who can't work during the child bearing phase to receive compensation for doctor's bills, hospitalization bills and other associated expenses. You may check these out too.

Posted: 17 Nov 2008 12:11 Post Subject: Can I afford to stay on unemployment during pregnancy?

Unemployment benefit is another option that might help the expecting mothers if they lose their jobs during pregnancy. Therefore, if you have got fired by the employer you may qualify for the unemployment benefits, however, voluntary unemployment make you automatically ineligible for the benefits.

What exactly the reason stated by the insurance company to deny the claim? This might help us to understand the situation better. If you have been denied wrongfully you might have to seek legal help for your rights.

Posted: 17 Nov 2008 07:03 Post Subject:

I can see unemployment benefits since the employer doesn 't have work for the poster. I do not see any disability benefits though. Usually to recieve disability it has to be acondition that is long term and the person can not work. Sorry but that is how it goes. I would definatley look into the unemployment benefits as soon as possible.

Posted: 19 Nov 2008 08:30 Post Subject:

I have a part time job that does not offer benefits and im seven months pregnant cna i recieve disablity benefits? since i am unble to work after i have the baby!

Posted: 20 Nov 2008 04:47 Post Subject:

Hi preggo, I'm not sure if you can avail private disability policy at this point of time. The insurer may consider your present health condition as pre-existing condition, and therefore, will not cover the current pregnancy.

However, I'll check if you qualify for the social disability benefits. Meanwhile, you too can check out with the government aided programs that help the expecting mothers to meet the medical bills, hospitalization costs and other associated expenses.

Posted: 20 Nov 2008 06:34 Post Subject:

Jeorge, I am almost 100% sure there would be no chance for disabilty benefits on this one. You can go read the guidlelines ( I read PA's) and usually it takes being disabled for a year to even get benefits. by this time she would have had the baby and be able to return to work. I agree wiht you about the pre- exsisting condition. Hopefully maybe the poster can recieve other benefits but I don't think it will be through SS...If it would be I would be happy for her.

Posted: 21 Nov 2008 02:16 Post Subject: insurance

I agree with JEORGE. 'They' WOULD call it 'pre-existing'. However......(..another comment I agree on..) in every state, there ARE ALOT of programs to help with pregnancies. Maybe the first place you can go to, and ask for information, is your local hospital. Usually..they have programs for 'low income' and 'non-insured' soon-to-become mothers...kind of thing.

Posted: 21 Nov 2008 05:25 Post Subject:

It will depend how much money you have on wage record, we always tell people to apply and let the UC office make the determination. What state are you from? Did you work last year? Pennsylvania goes back four quarters of the year to determine eligibility and weekly benefit rates, you will need to go to your states page and put in keyword "unemployment" and see what the rules are for your particular state.

Posted: 24 Nov 2008 10:34 Post Subject:

Gn, I have a sister that had a really rough pregnancy a few years back...severe rash and tachicardia..you name it. She tried to file for benefits and was turned down. Here I am taliking about the Unemployment benefits. If they were fired it would be another story. I can not imagine SS benefits for this but know you are very knowledgable in this area. Would they apply?

Posted: 01 Dec 2008 06:58 Post Subject: 5 months Pregant with reduced hours.

I've been with my company for 6 years and they gave me home office over a year ago and I was making over $700 weekly. My hours were cut from 40 hrs to 12.5 hrs and I asked them to send me a letter as to why they were cutting my hours, and they did. The letter stated "Due to a slowing economy my hours are being cut." I can't afford to live but I still work for them. I cant find work because I'm high-risk due to my age and thyroid condition. I have no medical insurance and I've applied for medicaid. What should I do? Please help! Should I tell my employer that I'm pregnant.

Posted: 02 Dec 2008 04:34 Post Subject:

In Pa as long as you are able and available for work, even if it is light duty, you should be able to file. I know those are the two main issues, ABLE and AVAILABLE, so as far as I can see, you are both, if you are from Pa you should have no problem recieving your unemployment compensation.

Posted: 17 Dec 2008 01:08 Post Subject:

Hi goodnatured!

Would you care to explain whether Prego would be eligible for a wholesome unemployment compensation..or is it gonnabe somewhat restricted in this case!

Posted: 18 Dec 2008 04:10 Post Subject:

As long as they are able and available for work, it does not specify what type of work. So if there is light duty available or some other type of work that is not as strenuous. We always say that pregnant never meant disabled. So yeah, I would think that a pregnant would be as eligible as any, as long as the doctor says that everything is okay and can work. Again it does not specify what type of work.

Posted: 19 Dec 2008 06:16 Post Subject:

The best thing for the poster to do is go to their local unemployment office and speak with them in person. They would get the best information for availabke benefits or whether they will qualify there. You can also find a number and call the unemployemnt office in your local telephone book.

Posted: 22 Dec 2008 03:44 Post Subject:

In Pennsylvania you can not walk into an unemployment center the way you used to, know it is a call center. Sometimes the line is busy up to 5 days in a row, you have to just keep calling and trying. We have many frustrated people come into the office and their is very little we can do for them except listen, they get so frustrated.

Posted: 21 Jan 2009 10:11 Post Subject:

I would just stay on the unemployment, even if your Dr. says that you are qualified by his word, does not mean that you would not go through a long and aggravated process just to get SSI, not even disability. I waited for three years to be approved for Disability, even went to court and still was denied. then I appealed and re-applied, finally was approved. I personally, would just stick to medical leave and unemployment, just my 2 cents.

Chula

Posted: 23 Jan 2009 12:19 Post Subject:

I hear you chula and the medical leave is the proper thing to do, the employer has these benefits in place for that very reason.

The whole social security system is an awful system to deal with, people that you would not think would get it qualify and get their approval right away, where others who are truley deserving and have worked their whole lives fight their rear ends off to get benefits.

I don't deal with the social security system, I deal with the veterans administration.

Posted: 23 Jan 2009 12:28 Post Subject:

Chule why did they deny you so many times, even i n court, and then all the sudden qualify you? It seems like three years was an awful long time.

Posted: 03 Feb 2009 07:48 Post Subject: Pregnancy Disability Benefits

You can often get a paid pregnancy disability leave for work. That's considered a benefit though. If your job has no benefits, I'm not sure if they will do this for you. I suppose you'd just have to ask them what their policy is. Hope this helps! God bless you! Take care.

Posted: 13 Feb 2009 03:05 Post Subject:

I don't think for social security purposes that pregnancy is considered a disability. I know that for disability you have to have a condition that makes you totally disabled and unable to work, I would not think that pregnancy would fall into this definition. I can not imagine the social security administration taking on this responsibilty. I can not imagine the vast number that would apply. And hell by the time they would approve it, your kid would be walking at the least. It is a long process.

Posted: 13 Feb 2009 03:46 Post Subject:

Yes I agree. Social security is one of the longest processes there is. It can be years before even getting an approval. I do not feel even high risk preganacies would qualify for social security. I had a sister who had a very high risk pregnancy with alot of complications about mid way through. She looked into different sources to help with her income and was turned away by almost all. One good side of it all is the preganancy does not last long and the person could be readyt for work soon after birth. You are also correct about the numbers being large if social security made this available. Most pregnancies are not a walk in the park so the Social security waiting lines would be extra long.

Posted: 14 Feb 2009 03:00 Post Subject:

Oh god, I could imagine how many of our clients would be "disabled", LOL, we make it a point to tell them that pregnancy is not a disability. We deal with a lot of folks on public assistance.

Posted: 15 Feb 2009 02:13 Post Subject:

Thats exactly where I think the best place for help would be. The STates Welfare Dept. could issue medical, cash assistance and food benefits for a disabled pregnant women. It would give some help immediately to the short term problem.

Posted: 08 Oct 2009 05:44 Post Subject:

if i have to go out of work before the baby is born due to complications in the pregnancy- do i have to count that towards the 12 weeks after the baby is botn?

Posted: 08 Oct 2009 05:44 Post Subject:

if i have to go out of work before the baby is born due to complications in the pregnancy- do i have to count that towards the 12 weeks after the baby is botn?

Posted: 08 Oct 2009 05:44 Post Subject:

if i have to go out of work before the baby is born due to complications in the pregnancy- do i have to count that towards the 12 weeks after the baby is botn?

Posted: 08 Oct 2009 05:44 Post Subject:

if i have to go out of work before the baby is born due to complications in the pregnancy- do i have to count that towards the 12 weeks after the baby is botn?

Posted: 14 Oct 2010 01:43 Post Subject: insourece durig pregnacy

hi, i m pregnat with my second child, for my first child i was workin in same company n i had some pregnacy difficultys but that time on my doctor note my company gave me sitting work. this time i have same problems i m not able to carry more than 20lbs n i m not able to stand 8hrs. but this time my H.R said "any kind of restriction cannot work so they told me i have to stay 9 month on disabilty , if i stay on disablity can my health insource will work?

Posted: 14 Oct 2010 01:55 Post Subject:

hi, i m pregnat with my second child, for my first child i was workin in same company n i had some pregnacy difficultys but that time on my doctor note my company gave me sitting work. this time i have same problems i m not able to carry more than 20lbs n i m not able to stand 8hrs. but this time my H.R said "any kind of restriction cannot work so they told me i have to stay 9 month on disabilty , if i stay on disablity can my health insource will work?

Posted: 14 Oct 2010 07:06 Post Subject:

There is a limited protection for health insurance under the Family and Medical Leave Act (FMLA). But you are only entitled to a maximum of 12 workweeks of "job-protected" unpaid leave under FMLA.

After that, you would have to continue under the provisions of COBRA.

Posted: 11 May 2011 04:45 Post Subject: help!!!!

I quit my job when i was prengent , can i still apply for unemployment benifits. I'm 32weeks prengent.

Posted: 12 May 2011 04:44 Post Subject:

To be eligible for UNEMPLOYMENT INSURANCE, you are required to be both capable of working and actively looking for work. If you are not intending to work as a pregnant person, then you cannot obtain UI benefits. Also, a voluntary quit may disqualify you from receiving benefits.

Posted: 23 Aug 2011 12:25 Post Subject:

I think you can seek the coverage under a private short-term disability policy, if you have one that is.
I guess, you may also get unemployment benefits, if you are working part time and are out of work because of your pregnancy. However, unemployment is usually not related to pregnancy.

Posted: 28 Jul 2012 10:23 Post Subject: pregnancy complications eligible for ssi?

I am almost 5 months pregnant and have placenta previa, which is basically where the placenta begins to tear from the uteran wall. I incurred mass vaginal bleeding and abdominal pain, due to this. Would that be considered a potential disability to claim ssi?

Posted: 28 Jul 2012 12:01 Post Subject:

NO. While this may be a disabling event, it is a short term one, and will not qualify you for a long term benefit program.

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