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the scenario that I'm going to share with you is the scenario where you have 6 months of maternity leave and you keep all your benefits and you get [Music] [Applause] paid this is Raising Mama a hilariously honest podcast dedicated to unveiling the hidden realities of motherhood our goal is to arm you with the information and tools you need to be your most confident an empowered self this podcast is packed with unfiltered testimonies diverse perspectives and expert opinions along with a good dose of laughter and tears leading you on this journey is my best friend Megan Stander who is a CEO passionate maternal Health Advocate and Mom of two daughters alongside me is my best friend Chelsea ledson who is a mother wife and registered nurse with her Masters specializing in women's health let's try to raise the Next Generation by raising up mamas and maybe raising a little hell hey y'all hey mamas welcome back to raising Mama on today's episode we are breaking down California maternity leave the goal of this episode is to demystify the entire California maternity leave process inform you and Empower you the scenario I'm going to share with you is the scenario where you get 6 months maternity leave you get all your benefits and you get paid let's face it pregnancy or getting ready to have a new child in your home that is stressful enough and then on top of that you're trying to figure out all this maternity Le stuff realizing that there's five different programs on different websites there's different laws they all have different requirements and you're not really getting the straight from maybe your boss or maybe you're feeling like I don't even want to talk to my boss about this because that in and of itself can be pretty darn hard to do it is really just you can feel so overwhelmed and like you don't even know where to begin don't worry we here at raising Mama we get you we got you after listening to this episode you are going to feel so much less confused totally empowered and ready to make whatever decision you want regarding mat Lea we are going to be breaking down that six-month scenario step by step and really just getting into the nitty-gritty in an digestible way that you can understand now before we move on I highly suggest that you click the link in the description below it has our entire maternity leave PDF and everything you need is inside of it I'm talking the requirements I'm talking about the medical reasons to extend your disabilities timeline checklist even step-by-step instructions with the links and phone numbers of how to do everything and when to do it so if you're like me and you love to have little agendas before you start your Journeys I was going to just let you quickly know exactly what's going to be coming up in this video so first we're going to go over the six month timeline that I talked about earlier where you get six months SP leave it's paid you have all your benefits covered then we're going to talk about after that scenarios where maybe you don't pay into state disability or you work for your own company or you're a teacher we'll have the time links there that is a really good section for if you're not qualifying for the first part after that I'm going to give you some just nuggets of wisdom that I basically learned the hard way and I want to share with you we are going to have a great podcast today now like I tell all my nursing students never just blindly follow some chick on YouTube or podcast or Instagram I totally recommend to all you listeners out there do your due diligence okay fact check call your own HRS every single matle is unique and different there is just no way I could explain every scenario here I'm just sharing my personal experience and the knowledge I know to just help give you guys more clarity and to just feel empowered that's what this is all about today so what you may not know about me is I am a nurse and before I was a nurse I was broke so I never had these kind of jobs that had like health benefits and all these you know fancy things attached to them so I really understand what it's like to kind of feel overwhelmed by navigating this process cuz I really didn't know anything about it myself and I was really stressed out like how was money going to work while I had a kid for me I am the provider for my family so it was like really exciting to have a kid but really stressful trying to figure out how I was going to afford a kid so really I just want to share with y'all what I learned because I think it's empowering and it was really nice once I finally got the information I needed to make the best decision for me and my family so the big concept that it's really helpful to grasp before you get into all the details is that basically there's two sides to this whole maternity Leaf side there's the side that's related to the benefit that pay you and there's the side that's related to all the benefits that keep your job and keep your health insurance so on this side the side that pays you there are two main programs there is state disability which is California and there is pfl Paid Family Leave which is also through California those two programs are found on Ed and they are the ones that are paying you but you don't just want to get paid while you're on maternity leave you also want to make sure you have health benefits and that you can return to your job so on this side of the coin there are three programs that protect you while you're on maternity lead now one is federal it's called FMLA and the other two are again just for California PDL and cfra we'll go into a lot more about how they all work and work together but the thing is that you're constantly trying to figure out how to use these programs so that both are happening at the same time so that you're getting paid and you're getting your benefits protected all right let's get into it again if you're not paying into state disability it's not there on your paycheck this section's not for you go ahead check the time stamps below we've got you covered in a different section of the video now let's say that this does cover you important in order for this six month scenario to apply for you and to get everything inside of it there's four things that you need to do number one your company has to be paying into state disability number two you need to have worked at your company for one year 1,250 hours by the time of your birth number three your company needs to have at least five employees and hopefully 15 and your company is located in California all right the timeline Begins the first thing is you learn that you're pregnant for a lot of us we learn that we're pregnant at home cuz we pee on one of those sticks that's awesome but it's really important that you go see your doctor right away and you get an official test that says that you're pregnant because because that's what all the programs need is something that's from your doctor or your Midwife or nurse practitioner that says you're officially pregnant the other thing your doctor's going to do is tell you your estimated date of delivery this is really important because state disability starts 4 weeks before your estimated due date so when you go to work and you tell your boss hey I'm pregnant I'm going to be going on maternity leave what you really need to tell your boss is that my last day will be 4 weeks before my estimated due date now let's say that everything goes well you work up until that 4 weeks before your due date you finished your last day of work and very next thing that you need to do is head on over to the Ed website and you're going to apply for state disability it's important to note that your first week of disability is never paid but that's when you start applying if you're someone like me and you want to apply way beforehand it doesn't work you have to actually end your last day and then apply for disability it's important to note right that in order to get disability your company has to pay into disability so let's say in this scenario you applied everything's going well the next thing that you can expect is that every two weeks you're going to get some kind of payment from disability they can either send you a debit card in the mail and they just Auto transfer it onto that debit card or they can send you a check a nugget of wisdom here is that when I did it through checks it was annoying I had to go to my bank but when I actually put it on the card I got all four times so after you have a confirmed pregnancy test and a due date what you're going to do is talk to your boss so maybe in the first trimester you're feeling totally good to work maybe around the second trimester you might be feeling also good to work if you're going to be in Communications with your boss because number one thing to know is that four weeks before you're estimated due date SDI guarantees coverage for you to be on maternity leave four weeks before your estimated due date however if you're not feeling able to work maybe something is really happening that's extreme maybe you're having triplets maybe you're having some kind of condition that is really making it unable for you to work you don't necessarily have to start your disability four weeks before your due date you can talk and communicate with your doctor if your doctor finds a medical reason why that's related to pregnancy that you need to not be at work they can go and talk to state disability and say hey she qualifies for being off a little bit earlier before the four weeks however in our timeline in our scenario we're going to say that you were feeling able to work that you could work all the way up until four weeks before your due date so great what you're going to do is do your last day of work and then the very next day you're going to go and apply to state disability which is on the Ed website I'm just going to take a moment here to pause from the timeline just giving you some really good nuggets of wisdom when it comes to state disability once again with state disability you only qualify for it if youve paid into it and in general what state disability guarantees is four weeks before you have your baby six weeks of paid support after you have a baby if it was done vaginally and eight weeks after you've had your baby if it was done with a C-section in general that's what state disability offers but like I said each case is different if your doctor tells disability for any reason hey this is an extreme situation I think she qualifies for either a longer time before birth or maybe a longer time after birth these guidelines can change in our timeline scenario we're just talking about just the basic scenario if nothing was you know unique to the situation so back up to our timeline so you've applied for estate disability through Ed so how much do you get paid you ask great it's 60 to 70% of your gross pay now don't freak out I know when I first read that I was like 60% of my normal pay that's crazy how am I going to make that work you're probably smarter than me but I didn't realize that 60% of my gross pay is not 60% of my net pay what I usually take home so small example if say you make $1,000 every two weeks okay but then if you have taxes taking stuff out you've got your 401k taking stuff out you got health insurance taking stuff out you got union dues all this stuff after all that's said and done what you actually take home every month is like $500 that $500 that's your net pay so disability is going to pay 60 to 70% of that big number the $1,000 so that's great because $1,000 times 60% boom that's $600 you were used to taking home 500 long story short actually you get pretty much a very similar rate to what you used to be getting when you were working the other cool thing I learned about when I was researching like how do you get paid from state disability is that they also base your gross income off your highest quarter so say you're in a business like you work at a gym and sales totally fluctuates how much you make per month so say you make a bunch of sales you know January February March so you make way more income during that period of time they're going to base it off the average of that period of time anyway long story short I was surprising how well you do get compensated by state disability now coming back up to our timeline the first thing that's going to be interesting when you get your first paycheck that'll be two weeks into your maternity leave is you're going to notice it's is short so you never never get paid for your first week of disability so your first paycheck is only going to feel like half a paycheck after that the next paycheck from disability is going to be a full one it's going to cover all you know two weeks worth of what you normally get paid now at this time four weeks have gone by so we'll say in the ideal dream world you gave birth right on your due date that's excellent you're going to give birth at the hospital and what's really great here is you've already done all this hard work you've already applied you've already done everything with the government you already got your card going so once you give birth you don't really have to worry about these payments because they're already set up and automatically they're going to cover you for six more weeks if you had a vaginal birth or eight more weeks if you had a C-section which is excellent however that's only one side of the equation that was how you got paid now the other side of the equation is well how how are all your benefits and everything else like your job security protected during this time during the time that you're truly disabled from either being pregnant or just giving birth well there are two laws that are important one's a federal law it's called FMLA and one is a state law it's called PDL pregnancy disability Leave Act I'm not even going to go into FMLA because basically the PDL is the much stronger more robust one that covers California and like I said I'm not going to get into all the details please refer to your packet and everything that's in there but the main thing that you need to know about PDL is that in order to qualify you need to be working for a company with five employees so that's why that was really important in the beginning and PDL is protecting your benefits for four months so if you back it up okay we know that disabil is covering you for 4 weeks to 6 or8 eight weeks after so if you add all that up that's about 1 month before you're pregnant and then a month and a half after you're pregnant that was about two and a half months you on disability ing to that law the PDL law where you have still four months to cover your health benefits you still have a month and a half left where you could take and extend your disability and still be covered by the law to retain your job and have your health benefits something that I definitely encourage you think about is that when you're doing your checkup appointments cuz after you have a baby like the first thing you're going to do is go to the pediatrician they check on the baby and you're going to go to your OBGYN and they're going to check on you you can communicate with your doctor you can tell them how you're feeling are you ready to go back to work do you feel healed because just because you know state disability has this guideline that says hey after 6 weeks we expect that you should be healed and ready to be back you know from your pregnant that might not be how it actually works out there's actually an entire list of medical conditions that are related to this that a doctor can extend your disability we have it in the packet if you're experiencing those and your doctor says I don't think you're quite ready to go back to work they can extend your disability it's important to know that under that PDL law you don't really want to extend your disability much more than 4 months because then you're getting into that territory of well you're getting paid but you're not having your health benefits covered so what I recommend or in this scenario this person had a vaginal birth and what they did is due to the circumstances where they couldn't go back to work do a pregnancy related issue they had their disability extended for six more weeks basically the amount of time that's covered under the PDL law so that is essentially in a nutshell the entire disability part this is all about the pregnant mom healing going through um the experience of childbirth and after childbirth this is everything you need to know about that section now there's this whole other section that's all about bonding that happens next so this section is called Paid Family Leave So Paid Family Leave is kind of confusing cuz it's so similar to disability but it's definitely different so I'm going to go over the similarities So Paid Family Leave is similar to state disability because one it's right there under the same exact website so where you're signing up for state disability is where you're going to sign up for Paid Family Leave you're also getting paid the exact same way so for instance that debit card that you got that you got all your disability checks from that's exactly where you're going to get your Paid Family Leave checks from however much you got paid on disability that's exactly how how much you're going to get paid on Paid Family Leave very similar systems where Paid Family Leave is different from disability is disability is really all about the pregnant person recovering experiencing pregnancy it's all about the pregnant person however Paid Family Leave is all about bonding so this can be awarded to not just the pregnant person but it could be awarded to a father or um same-sex marriage or a foster parent or an adult Optive parent now basically what you're getting is 8 weeks of paid time to bond with your child now it's really important is you don't have to necessarily take that bonding time right after your disability ends you can take that any time between the first year of your child's life it's also interesting to know that the laws that are protecting you during this portion are different than the laws that were protecting you when you're on disability so just quick reminder here when you're on disability you basically were having PDL make sure that you're getting your health benefits making sure that you are getting your job security while you're in the bonding section you're going to have CF California family Rights Act that's what's going to be protecting your health insurance and protecting your job security Now what's interesting is that the CF in order to get it you have to work for your company for that onee 1,250 hours and it can last for up to 12 weeks weeks so it's kind of interesting that technically you could even go for a further 12 weeks to bond but only eight weeks of it is going to be paid under the Paid Family Leave program so back to our timeline we're just saying we cruised right through it let's just recap we did four weeks before on disability we gave birth we did six weeks after on disability we got an extension for six weeks so that everything fits nice and neat under the PDL and then right after after that we just transitioned into bonding where we took eight weeks under the Paid Family Leave program and we protected ourselves by knowing that CF is there to protect us for work so finally six months has gone by and it's time to get back to work there's one more law that's really important to know when you go back to work and that's pwfa pregnancy workers Fairness Act this is a brand new law and essentially it basically is there to help reasonable accommodation so reasonable accommodations means you can have water at your desk maybe you could park closer it means that you um you could wear like a different uniform stuff like that that there's pumping rooms maybe you take longer breaks to pump as a nurse this is really important because this is a time that when you come back to work you might need to negotiate what's reasonable if there's a bunch of openings at your job and some are for part-time you can say hey I think it's reasonable that I take the part-time position position and not the full-time position or you know I was working nights The Last 5 Years and I think now it's reasonable that I get the day ship job or whatever of course not every single thing here is 100% guaranteed it's like reasonable with the company you're working for and a huge caveat here is you have to be working for a place that has at least 15 or more employees but if you do it's great to know like look up the law and read it and then you can go to work kind of armed with the knowledge of how they can best support you because a lot of companies they do want to support you they just don't maybe even know all the ways that they can so that is the end of the beautiful timeline of six months paid except for that first week and you get to retain all your benefits and you're able to go back to work for more info on accommodations again check the PDF it's got everything that you need in there this is just one scenario again this scenario is 4 weeks before birth six weeks after birth because it was vaginal you extended another six weeks and then you used your eight weeks of bonding and that's what gave you about six months of paid maternity leave there are a million options out there okay and it's important to also know that we didn't even cover that in disability you can be protected all the way up to 52 weeks okay so now you're here because you didn't pay into state disability don't worry we got you covered there so say you work for yourself you're an independent contractor you own your own business there is an option where you can pay into de that's disability insurance elective coverage where you're going to find it is right there on the Ed website that's where you normally would access state disability and paid family leave they have an awesome section there and we have a whole breakdown that's in our pocket and basically what you can choose to do if you want if you qualify is to just give a portion of money privately into the de program and then boom you become eligible to get all the normal disability and Paid Family Leave benefits that state disability provides so one thing you need to know is you need to make 4,600 net profit annually there's a few other details like how much you have to pay into it that again it's all broken down in our PDF so go check it out now let's say you're a teacher so you don't own your own company right you work for another company it's just that company doesn't pay into state disability it's such a bummer because you know teachers are the ones that are helping raise everybody's kids and it seems like they're the ones that have the hardest time to get covered by all these state benefits now I don't know a a whole bunch personally because I'm not a teacher myself but we talked to a whole lot of teachers and basically this is what they told us they told us that there's a California Teachers Association and inside the California Teachers Association you can choose to have elective coverage through them and they have their own system of you paying a certain amount of your paycheck and then that's giving you a certain amount of money during that leave now it's really important that teachers do their own research here because what a lot of people told us is that you have to start paying into it before you're pregnant right before you have that uh pre-existing condition so it's just so hard to know all this stuff beforehand that's why I really wanted to let everybody on the podcast know hey if you're a teacher it's really important to look into your coverage the other thing that I think is important to know is some teachers told me you know what it was just made more financial sense that the money that they were going to spend to put into the program they just put into a savings account so that's an option too and we break it down into way more detail in the PDF but just know that there are options out there and there's many different ways to get what you need to have the best maternity leave ever now here's some nuggets of wisdom that I had to learn in the hard way and I just want to let you guys know right off the bat so number one I did not realize that of course I mean it makes sense now while I was on maternity leave it wasn't like my health insurance was free so before when I was working I paid about $500 a month into the health insurance for my family now when I was on maternity leave for 6 months obviously that wasn't coming out of my paycheck CU I wasn't getting a paycheck from work so when I came back to work I had had to actually back pay six months worth of all my health insurance so that was $33,000 so my first few paychecks back to work were really small because they were kind of back paying the health insurance that I wasn't paying into for the six months when I was on Matt leave so just keep that in mind that you're still paying for your health insurance number two the big mistake I made is I did not realize that like right after I gave birth I had to call my health insurance and tell them that literally I had a daughter she was born and here's her birth certificate apparently your health insurance only covers you and not your baby yet because not when they're born or something like that essentially I had a $30,000 bill sent to my house and that was purely for all the things that Ila had to my daughter had to get um after she was born like she was she was covered when I was pregnant but not when she was born because I didn't tell my um Health Insurance within 30 days that she was born so uh look into your health insurance and definitely let them know like hey am I supposed to call you and let them know that you know yes indeed she's born and now she needs to be under my health insurance plan because I had to do it after the fact and it was so stressful okay six weeks having a newborn and getting that giant giant Bill and having to call insurance companies pleading sorry I didn't know this existed that was a terrible experience the third thing is that I didn't quite learn the hard way or at least some of the nurses I worked for had to learn the hard way is that 1,250 hour rule so if you work 40 hours a week no problem you're most definitely going to hit that if you worked one year before birth but if you're part-time a lot of nurses work like 20 hours a week 24 28 you need to kind of add up how much you're actually working in a year's time and if you're just like 20 hours Short pick up overtime make sure you're hitting that Mark talk to your boss be like hey how many hours have I worked by the time I've given birth because you want to qualify for as much of the benefits as you can so those were the three things I learned the hard way and I hope now you don't have to learn them the hard way do all right all you Mamas and new parents out there I really hope this help my entire intent here is that you have the best start to Motherhood possible this information for me was golden I hope it was golden for you your next step go ahead click that link in the description below or go to raising mama.com and get the PDF everything you need is in the PDF I mean if you're a non-birthing parent if you're a birthing parent we have the exact checklist for that if you want all the phone numbers all the links to all the things I talked about in the episode today it is inside that PDF we literally made it for you so that it's easy and that this process is not going to be confusing I want you to have the best start to your maternity leave as possible this is a big deal we are entering into a new phase of life and we want you to have everything you need to be as equipped as possible if you like this content and you like these types of podcast hey go follow us on Instagram at raising Mama podcast and go check out our YouTube we have lots of great nuggets of wisdom for all the new parents and moms out there and we'd like to know your feedback if you want more kinds of stuff like this let us know we're going to take all the experts that you guys want to hear and put them on here you want to know more about Matt Le or about different states we'll make it we're here for you and we're just really pumped to give you exactly what you need to have the best start in your maternal Journey thank you for tuning in to the raising Mama podcast your presence means a lot and we hope you found our discussion insightful become a part of our community follow us on Instagram at raising Mama po explore resources on the raising Mama village located at . raising.com you're never alone on this motherhood Journey we're here to support you every step of the way