Work + Money

Sunday, October 12, 2008

Assigning a fake salary for moms' unpaid work doesn't pay the bills

Getty Images

Getty Images

Just before Mother’s Day every year there’s a story about how much money a stay-at-home mom would be paid if she were paid for all the jobs she does. This year, Salary.com puts the figure at $134,121, averaging in the time spent on jobs including housekeeper, day care center teacher, cook, computer operator, laundry machine operator, janitor, facilities manager, van driver, CEO and psychologist.

I get that this is a way to illustrate the value of what moms who care full time for their children do, but the fact is, women don’t get paid for this tiring, never-ending work and assigning a fake dollar figure to it is really kind of patronizing and not very useful.

Now, if you want to talk about how the Social Security system does a number on women who take time off of work to care for family or do so and end up getting divorced, that would be time well spent. As N.Y. Rep. Carolyn Maloney notes in this Huffington Post piece:

“Social Security's formula calculates your benefits by averaging your 35 highest-paying years. If you have enough zeros because you're a stay-at-home for part of your career, that average comes down, those years count against you, and you effectively lose money.”

And stay-at-home moms get penalized if a couple gets divorced if they have been married under ten years because each spouse then gets only the Social Security benefits he or she earned in the paid workforce. So if a woman is home for nearly ten years doing the unpaid work that makes his work possible, while the whole family is cared for, the husband gets 100 percent of his benefits. The woman gets nothing for those years.

Passing laws to change policy inequities likes these would be a good start. And pressing more states to pass paid leave laws that allow workers who need to take time off from work to care for a family member without losing all of their pay (or their jobs) would be far more useful than paying lip service to the unpaid work we do.

What do you think?
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Comments 1-4 of 4
  • Micki LeSueur's Avatar
    Posted by Micki LeSueur Fri May 16, 2008 4:37pm PDT

    The loss of salary and advancement are the obvious detriments of leaving work to parent full time, but I've never considered the social security aspect. Great post, Dory.

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  • Stac's Avatar
    Posted by Stac Sat May 17, 2008 4:27am PDT

    Sad but true. But I wouldn't trade the time spent with my child for anything. Money, while it does make life easier, is NOT a replacement for seeing your children grow up.

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  • LadyKelien's Avatar
    Posted by LadyKelien Sat May 17, 2008 10:34am PDT

    It scares me a bit. Im a stay at home mom. I have been for 15 years. Ive only had to file taxes on myself once in the last 15 years and then it was a whole 700 dollars I made for the whole year. I worry that when my youngest who is 6 goes away to college, I won't be able to get a job because by then I will have been out of the work force for nearly 30 years. I already know the most I will draw in SS benefits from my husband is less than 300 a month. Im counting on our life insurance to get me through. He promises me will we will have enough. I told him, to just make sure I die first. Cause at this rate, Im screwed Life insurance or not.

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  • Carol's Avatar
    Posted by Carol Sat May 17, 2008 11:10am PDT

    I don’t think I’d ever be comfortable entirely leaving the workforce. Part-time work has been the perfect solution for me with two little kids, but I know not all employers offer this kind of flexibility. Still, I am kind of surprised at how many women in my community decide to be permanent SAHMs, especially after receiving expensive college educations. It just seems so... privileged somehow. Don’t they have student loans to pay off (like me and my husband)? I've just never been comfortable leaving the entire breadwinning responsibility on the shoulders of my spouse. I realize that staying home is a huge sacrifice and agree it's a priceless contribution and admire those who do it, but the pragmatic side of me can't help but feel like there's a bit of denial going on here -- at least from what I've observed, it's really tough to return to the job market after a long hiatus, and as this article points out, you definitely are penalized financially.

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