| Can you pay your bills for 18 weeks on a 45% pay | | | | weeks. |
| cut? Ask yourself this question if you are planning a | | | | Are you Covered? |
| pregnancy and work in California. | | | | Government workers, teachers, domestic workers, |
| Why is this question vital? California has state | | | | non-profit employees, contract workers, and |
| mandated pregnancy, maternity leave, and paid family | | | | employees who claim a religious exemption often are |
| leave benefits which can extend for up to 18 weeks. | | | | not covered. The California short term disability |
| You will be receiving 55% of your income - or less - | | | | insurance plan mandate covers private workers only. |
| during this time. Many couples can't afford having mom | | | | Fill the CA Maternity Leave Gap |
| away from work so long. | | | | If you are planning a pregnancy, you have an |
| 18 Weeks of Pregnancy & Maternity Benefits | | | | opportunity to buy additional income protection to |
| Here's how California allows you up to 18 weeks of | | | | cover your normal maternity labor and delivery! |
| maternity benefits for your normal labor and delivery. | | | | Supplemental Short Term Disability Insurance can fill |
| - 4 weeks before your delivery via California SDI | | | | the gap in your CA maternity leave pay. It pays pays |
| - 8 weeks after your delivery (c-section delivery) via | | | | an additional six week benefit for your vaginal delivery, |
| SDI | | | | and an eight week benefit for your c-section birth. |
| - 6 weeks of paid family leave so you can bond with | | | | Your maternity leave benefit may greatly exceed the |
| your baby | | | | premium you pay. |
| It's possible that your pregnancy may encounter | | | | - Create maternity leave income |
| complications requiring you to leave work before the | | | | - Spend more time bonding with your baby |
| standard four week period. In this case your total time | | | | - Worry less about paying your bills |
| away from work will exceed the eighteen week | | | | At no additional cost, you are also covered in case of: |
| barrier. | | | | - Pregnancy complications |
| What's your CA Maternity Income Gap? | | | | - Delivery complications |
| California State Short Term Disability Insurance caps | | | | - Premature birth |
| your weekly benefit at 55% of income or $959 per | | | | - Accidents |
| week - whichever is less. | | | | - Illnesses |
| If your income exceeds $90,669 per year, you hit the | | | | Pregnancy and maternity leave benefits are payable |
| cap. In this case divide $959 by your weekly gross | | | | only when coverage begins before conception. Don't |
| pay to determine how big your pay cut will be for 18 | | | | delay! |