Friday, November 20, 2009

Short Term Disability

Yes, STD.

I've not been impressed with how my company handles maternity leave. "Extremely Disappointed" probably understates my feelings but it's the nicest phrasing for it. Well I thought I was getting a lucky break the other week when they announced a voluntary STD plan being offered this year at open enrollment. However at least 70 people have to sign up for the program to get it going, which I thought would be the killer.

I squelched my hope and waited for the paperwork to arrive. It would start 2 weeks after onset of the disability and pay 60% of my normal compensation. And it was reasonably priced. Actually after seeing the pricing I was hopeful that maybe 70 people would go for it (my company employees ~300).

And I want to sign up, but the kicker is that I CAN'T USE IT for my maternity leave because it's a preexisting condition! Are you F*CKING KIDDING ME? The girl that's been asking for something like this for years can't get in on it! I told our ins person that I would have very much liked to sign up before this became a preexisting condition, but as it was never offered until NOW that wasn't a possibility! I mean come on, there has to be some kind of allowance at a first offering?

But our ever helpful ins person let me know that I should go ahead and sign up so that they can't deny me coverage later and I can use it in the future. Again, are you F*CKING KIDDING ME? What is the friggin point of paying for something that I would hopefully only ever use for maternity leave when I may not be able to have future children and can't use for the current one?

So I don't want to sign up out of spite for the fact that I won't get to use it, BUT my participation might be needed to help it get off the ground so that in case I actually do this pregnancy thing again it would be there for me. BUT I seriously can't get my head around what a crapper of a situation this is for me. Cause to me the situation is literally: You're screwed either way now and if you sign up you might not be screwed in the future if PCOS and IF don't screw you again and you shall pay for it all in the meanwhile.

I won't go into the thoughts about TTC#2 right now, but it is understandably a complex issue for me and one I'd rather not think about for a couple of years (or at least until after this one is born).

It's just so typical that I got what I want, pregnancy and STD, but can't enjoy it. I guess I should adjust my attitude but I need a bit longer to cool off.


Celia said...

That is a damn rip off. I would be pissed too. But on the other hand, when I saw the title of this post I thought you were in danger, and knowing you are not is good. You should call and bitch some one out.

Michelle said...

That really sucks!

Suraita said...

On the other hand, I'm impressed that your asking helped to get this but on the other hand that completely sucks that now that you've advocated for it and need it you can't use it.

Someone certainly needs a good and thorough bitching out!

Anonymous said...

Wow, that really sucks. I know how upset you have been about your company's crappy (or is it non-existent?) maternity benefits, and now this is being offered but you can't use it! That is incredibly frustrating. I'm so sorry.

Sophie said...

I would be so mad! That really sucks! I think it's bogus that pregnancy is a pre-existing condition, honestly, it's really stupid and even kind of offensive that they put it under that category.

Dianne said...

Ughh, sorry! :(

If it makes you feel any better I HATE my insurance too!!!

Molly said...

I'm hoping to do the stay-at-home mom thing after our first (if I get there). Maybe that's why it taking a little longer is OK--I can finish graduate school. I would get too frustrated with all the systems and whatnot.