Manage Your Life

Saturday, November 7, 2009

User post: Making money on unpaid maternity leave

By Hopefull, Barefoot & Pregnant

There are no less than a hundred thousand articles that advise soon-to-be mommies on how to transition work and prepare your employer for your maternity leave.  And with the Pregnancy Discrimination Act of 1978 that states women who are pregnant must be treated in the same manner as other applicants or employees with similar abilities or limitations, there is a false sense of security that having a baby is business as usual.

This false security was shattered when  I received an email from our HR stating that my maternity leave is handled under paid-time-off and that once the PTO is exhausted my status changes to unpaid personal leave.  This means that I have 8.2 days off for maternity leave.  The act applies to employers with 15 or more employees, so my company flies under the radar.  In this tight economy, I know that I can’t afford to take unpaid leave, so I decided to finance the leave myself.

First, I started searching early for alternative income resources.  I looked on Craigslist, Guru, and Elance for job postings.  The best opportunities are those that let you work from home for short-term engagements.  Another thing I did was look at services section of Craigslist.  Most of the time people do things for free that they could charge for and by checking the service page I could see how other people were marketing their skills.  The things I found were making arts & crafts and convenience contingent services.  Convenience contingent services (CCS) is a phrase I coined which means any service and or job people can do but it would be easier to have somebody else do for them.  An example of a CCS would be a dry-clean valet service. 

Secondly, reach out to small businesses and owners.  Most small businesses are under-staffed to lower fixed cost. These are great places to offer services like a small doctor’s office that needs somebody to make follow-up calls on service plans or send out emails for a business with a database of clients.

Third, think out of the box.  One idea that I came up with was providing a fax menu service.  Basically, I could call on restaurants and have them agree to pay a fee for me to fax their lunch menus to local businesses.  So which one of these did I decide to pursue?  Well, because I handle new business development. I had ran across a gentlemen that was expanding his business and needed somebody to make lead generation calls. I contacted him and explained that I would be available to do contract work while on maternity leave.  Much like my baby’s nursery, everything is set up for when I come home from the hospital.  Lastly, I would advise that you have everything agreed upon and organized before you have the baby and stay in constant contact.

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From the Community…

Comments 1-10 of 25
  • anonymous whatever's Avatar
    Posted by anonymous whatever Fri Jun 26, 2009 11:51am PDT

    What about paternity leave. Most men would be written up or fired in this economy for being late or missing work especially if the wife is sick or needs an extra set of hands of the baby was sick the whole night.

    It makes me sick that it's okay for moms to be gone for 3 - 4 months, but dads oh no they can't and then once they are written up, they could be fired later on if they are promoted because a stupid boss wants to get rid of them, can look into the file for absences. Where is the paternity protection? HMM.

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  • Courtney's Avatar
    Posted by Courtney Mon Jun 29, 2009 5:13am PDT

    anonymous whatever - I'm curious where you get that its okay for moms to be gone for 3-4 months. Try 6-8 weeks, unless you work at a company that is held to FMLA (I don't). The US needs to fix parental leave, period. Ma and Pa-ternity leave. My husband left for work practically in tears feeling he was abandoning us when our child was four days old (which was on a Tuesday...he'd really only taken three days off).

    Back to the topic at hand: see if Aflac or the likes are available through your employer. My Aflac short-term disability coverage made up the difference between my normal salary and what I earned while out on maternity leave. Caveat: you'll have to make sure that what you pay for it is significantly less than what you'll receive, and you cannot purchase (at least through Aflac) if you are already pregnant (11 month wait period to cover maternity leave). I felt that the insurance policy was a better way to go than attempting to work from home with a newborn. Turns out - I was correct, in my case.

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  • Michelle's Avatar
    Posted by Michelle Mon Jun 29, 2009 8:40am PDT

    I'm fortunate to work in NY (which for once is a benefit, lol) which requires employers to provide Short Term Disability coverage for all employees. Unfortunately, the max benefit (2/3 of salary, with a cap of $180/wk) isn't even half of my after tax/benefit deduction pay. But it's better than nothing during maternity leave.

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  • Pyra's Avatar
    Posted by Pyra Mon Jun 29, 2009 9:54am PDT

    The same thing happened to me. My company's paid maternity leave is covered under short term disability leave. I didn't know that and didn't sign up for it. Now I have to take my long term disability leave and save all my leave from now until I deliver. I will have exactly 6 weeks when I deliver. This info isn't stated in my company's policy but they said it is made available. I hate this company and I want to leave so bad.

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  • Jett's Avatar
    Posted by Jett Mon Jun 29, 2009 12:05pm PDT

    These are good ideas you offer, but they seem to be the same ideas everyone's currently offering to anyone working from home. A problem with some of these telecommuting jobs is that they're temporary and spontaneous. You might not be able to line one up months in advance.

    At my job we have to save up our sick time to use as maternity leave. We get only 7 sick days a year, so it would take 5 years to save up to only 5 weeks of maternity leave, not even the 6-8 weeks "she with the little feet" proposes. I've been at my job for only two years, and I just took three sick days last week because I had the flu! So, there goes 1/4 of my maternity leave!

    After sick days are exhausted we can use whatever vacation time we have for the year. I don't know about unpaid time. I haven't asked. I do have FMLA available to me, but I don't see how I can afford to take unpaid time.

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  • Holly M's Avatar
    Posted by Holly M Mon Jun 29, 2009 1:26pm PDT

    If you live in the US and your company has more than 50 employees, than FMLA applies to both the new father and mother. There is no disticntion between men and women. Its time off for the birth a your child.

    Also, all leave under FMLA is considerred part of your short term disablity. That's pretty standard. I have a very generous plan at work and am lucky, but even that does not pay 100% for the full time.

    I'm sorry, but I think we tend to expect a bit much from our employers. Its not their problem that we got pregnant. They still need to pay some one to do the work and survive in this economy as well.

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  • Kate's Avatar
    Posted by Kate Mon Jun 29, 2009 1:33pm PDT

    It is more than a little complicated to go in to a lot of detail about, but new Moms in England - I am actually British - have up to a year off on maternity leave. The first 18 weeks are at 90% of their pay, then from 18 weeks to six months they have a flat rate - which I'm not too sure of, but I think it is around £130 a week - and then the last six months, if they want to stay off that long, is unpaid. New Dads also have two weeks paid paternity leave. I am constantly amazed at how companies treat new moms over here, and have no idea how they are supposed to cope with the little time they have of. I definitely think this needs changing.

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  • 's Avatar
    Posted by Tue Jun 30, 2009 12:44am PDT

    I went into labor Sunday night with my son. Went to work Monday morning finished off anything dire left at noon. Went to the hospital and was admitted My son was born Tuesday I was discharged Thursday and Monday morning I was back to work. And I breastfed! No paid time off and couldnt afford to live without the paycheck. I worked in a small office so luckily it wasnt a difficult job and I even got to take the baby to work with me for his first 6 months. But still I would have rather been home :0( Guess ya gotta do what ya gotta do till something changes

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  • DaisyGirl's Avatar
    Posted by DaisyGirl Tue Jun 30, 2009 6:24am PDT

    The FMLA does not mean you get paid... it only means that you are guaranteed your job (or similar job) when you return after 6 weeks (or more depending on your company size). And regarding fathers... they fall under the category of being allowed time off as well. That's why its called the FAMILY medical leave act and not the Momma Medical Leave act. Your husband can not get fired for being their for his new family. But I am sure he has to clear it or tell HR first.

    I negotiated with my place of work... got my raise early, got my bonus early, and had them implement short term disability. You kinda have to be proactive and on the ball. As soon as I found out I was pregnant I looked into what kinda of options my small company offered. At the time they didn't have anything- so I had to get on the ball fast to get stuff going.

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  • Little L's Avatar
    Posted by Little L Tue Jun 30, 2009 6:29am PDT

    Hold on. Let us take a look at the big picture here.

    All this should be rounded up in the "are we financially stable enough to have a child" stage of thinking. Are you kidding me people? You're not the victims here. When you took the job, you should've thought ahead and checked their maternity policy THEN instead of when you decided you wanted to use it.

    I am an employer for my small photography business. Why should I pay my assistant for weeks or months because she decided to have a child? This would leave me without someone to do her job, and also, looking for someone who I could pay TO do her job only temporarily.

    Again, sorry, stop playing the victim card.

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Comments 1-10 of 25

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