California has the most comprehensive set of laws protecting women during pregnancy and maternity leave. One law gives CA women a needed extra benefit over its federal counterpart. The California Family Rights Act provides significantly longer job protection in the event of pregnancy complications, followed by an extended maternity leave. Should this situation arise, the extended job protection will be welcome. But can you afford all the time away from work? You can if you plan ahead, then act promptly.
California Family Rights Act
The California Family Rights Act is similar to the Federal Family Medical Leave Act in that it allows for twelve weeks of unpaid, job protected leave. Both laws apply only to employers with more than fifty employees.
The California law differs in how an absence from work for you own disability is treated. Suppose you experience pregnancy complications and need to leave work twelve week before your delivery. Under the Federal law you would have used up your job protected time. The California law does not count time away from work for your own disability. This is covered under the California Pregnancy Disability Leave Act.
7 Months of Partially Paid Job Protected Leave
Combine the two situations and California laws together, and you get seven months of partially paid, job protected leave: four months before delivery if complications arise, plus six weeks to recover from delivery, plus six weeks to bond with baby.
California SDI and Paid Family Leave provide the partial pay of 55% for up to seven months if needed.
Keep Job But Lose House?
The good news is the California laws protect your job for a long time at partial pay. Should this happen to you and you qualify under the rules, your job will still be open for you. But will you be able to make your mortgage payments after seven months with a 45% pay cut?
Purchase supplemental short term disability insurance before getting pregnant, and your answer will be YES!
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