Getting Pregnant
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My new job does not provide any paid maternity leave. They also do not offer short term disability. I know Aflac is one company that people use to purchase individual policies. Does anyone know of others that are not group/employer based? Has anyone here researched or purchased it before? Anything I should know (other than I obviously need to purchase it before getting pregnant)?
dx: Unexplained IF (mild MFI)
TTC since May 2011, 1 year trying, and then 3
TI, 2 IUI = BFN
IVF #1 (May 2013): Antagonist
Protocol:
24R, 18M, 15F w/ICSI; 5dt of 2
early blasts, no frosties = BFN
IVF #2 (August 2013): Lupron Stop
Protocol:
28R, 23M, 15F w/ICSI; 5dt of 1
partially hatched blast, 7 frosties = BFP
EDD 5/23/14, blighted ovum (6w6d), D&C (8w6d)
FET #1 (April 2014): transferred 2 5d blasts = BFP
C.J. born 01/09/15
Re: Short term disability
Cinnabun and Junebug say, "Go Wildcats!"
...hello out there!
dx with anovulatory PCOS 2005
off bcp 11/11
a few rounds of clomid and femara... no response.
injectables/IUI 12/12... BFN
Feb 13 IVF cycle converted down to IUI due to low follicle response... BFFN
one last IVF attempt April/May 2013: 19 retrieved. 10 fertilized. 2 transferred in a 3dt. 4 frosties... BFP!!
EDD: 1/21/14... Induced early at 36+6. Our LO was born 12/30/13
dx: Unexplained IF (mild MFI)
TTC since May 2011, 1 year trying, and then 3 TI, 2 IUI = BFN
IVF #1 (May 2013): Antagonist Protocol:24R, 18M, 15F w/ICSI; 5dt of 2 early blasts, no frosties = BFN
IVF #2 (August 2013): Lupron Stop Protocol:
28R, 23M, 15F w/ICSI; 5dt of 1 partially hatched blast, 7 frosties = BFP
EDD 5/23/14, blighted ovum (6w6d), D&C (8w6d)
FET #1 (April 2014): transferred 2 5d blasts = BFP
C.J. born 01/09/15
my read shelf:
Could be. Nj has stating short term disability so while it is better than nothing but you can't get supplemental unless your employer offers it.
We looked into it with Aflac as an individual policy, and it ended up not being worth it. I live in IL, so this is what the rules were for here.
Premium was based on your salary. So my payment was $50/week, $200/month. You had to have it for 10 months before it would pay out. It also only paid 60% of your salary for up to 6 weeks for a vaginal birth and 8 weeks for c-section. However, you had to deplete your vacation time before it would kick in, and that vacation time counted toward the 6 and 8 weeks they "covered." I get 3 weeks of vacation per year. So we figured that worst case scenario I would have 3 weeks of vacation to cash out first, then they would pay me 60% of my salary for the remaining 3 weeks.
When we did the math, we were paying in $2k over the course of 10 months (assuming we got pregnant right away). Then would've only been paid for 3 weeks at 60% of my salary. In the end we were better off putting aside the $200/month into our "baby fund" so I would have an income through maternity leave.
However, there's a clause in there where you get paid $500 for each day you are hospitalized. So if you end up being in the hospital for 2 days, then that's $1,000 in your pocket. My friend had STD through Aflac when she had their son, and she had to stay in the hospital for 4 days due to high blood pressure. She received a check for $2k, and that pretty much paid their deductible and co-pay on the delivery. So there are other things in the plan that could be beneficial.
TTC since 1/13 DX:PCOS 5/13 (long, anovulatory cycles)

Clomid 50mg 9/13 = BFP! EDD 6/7/14 M/C 5w6d Found 11/4/13
1/14 PCOS / Gluten Free Diet to hopefully regulate my system.
Chemical Pregnancy 03/14
Surprise BFP 6/14, Beta #1: 126 Beta #2: 340 Stick baby, stick! EDD 2/17/15
Riley Elaine born 2/16/15
TTC 2.0 6/15
Chemical Pregnancy 9/15
Chemical Pregnancy 6/16
BFP 9/16 EDD 6/3/17
Beta #1: 145 Beta #2: 376 Beta #3: 2,225 Beta #4: 4,548
www.5yearstonever.blogspot.com
dx: Unexplained IF (mild MFI)
TTC since May 2011, 1 year trying, and then 3 TI, 2 IUI = BFN
IVF #1 (May 2013): Antagonist Protocol:24R, 18M, 15F w/ICSI; 5dt of 2 early blasts, no frosties = BFN
IVF #2 (August 2013): Lupron Stop Protocol:
28R, 23M, 15F w/ICSI; 5dt of 1 partially hatched blast, 7 frosties = BFP
EDD 5/23/14, blighted ovum (6w6d), D&C (8w6d)
FET #1 (April 2014): transferred 2 5d blasts = BFP
C.J. born 01/09/15