Maternity Leave Tip of the Day: 1

File your State Disability Insurance (SDI) and Paid Family Leave (PFL) claims online at http://www.edd.ca.gov/disability/SDI_Online.htm. Not only will it be easier for you and your physician, processing times will be faster too. Triple Win!

I’m usually not a fan of government-sponsored tutorial videos (i.e. the mandatory jury duty video), but this one is surprisingly helpful.

Happy claim filing!

How to calculate your SDI and PFL benefits amounts

UPDATE: As of January 1, 2018, SDI and PFL rates have increased from 55% to either 60% or 70%, depending on income. Read this updated post instead of the below!

Just as important as figuring out how much time you’ll be taking off for maternity leave is how much you’ll actually be getting paid. Like most things with maternity leave, it’s not super simple. Sigh. The calculations aren’t as cut-and-dry as getting paid a portion of your current salary. I’ll break it down for you below so that you have the full 4-1-1 on how the EDD works, how much you’ll get paid and when, as well as when you might need to strategize the timing. Because, seriously….

The base period

Let’s start here. In California, you are entitled to State Disability Insurance (SDI) and Paid Family Leave (PFL) benefits of up to 55% of your regular base salary (up to a cap). The kicker is that you won’t be making 55% of your current salary. Instead, the benefit amount depends on what you were earning during the base period, which is the 12-month period ending just before the last complete calendar quarter you worked. Wait, huh? Here’s an example:

Let’s say you became “disabled” on May 15, 2014. The last complete calendar quarter you would’ve worked would be January 1, 2014 through March 31, 2014. Therefore, your base period for benefits would be January 1, 2013 – December 31, 2013.

So I don’t leave you with figuring all this out, here’s a helpful summary of all the possible base periods for 2015:

Screen Shot 2015-06-03 at 7.30.52 PM
Strategize: Time your base period timing when you can. [EDITING TO ADD: The EDD no longer allows claimants to chose a different base period, unless for special circumstances such military service.]

When figuring out the actual dollar amount you’ll receive from SDI and PFL, the state uses your highest-paid calendar quarter during the 12-month base period. If your salary never fluctuated during that time, then it won’t make a difference – you’ve earned the same amount each quarter.

But, let’s say you got a promotion and nice raise to match in January 2014. Taking that May 15 scenario above, your benefit amount will not include that salary bump since your base period ended on December 31, 2013. So, what can you do? You can adjust your base period to capture your highest earnings by delaying your disability claim start date. In this case, you’d have to postpone your disability claim start date to July 1, 2014 in order to make your base period run from April 1, 2013 to March 31, 2014, which would now include that January 2014 bonus. Be mindful that you must file your claim within 49 days after becoming disabled, but if the difference is significant it’s definitely something to think about. Also, if you decide to do this, you must call the SDI or PFL office before submitting your claim.

Calculating the actual figure

Before getting into how the weekly benefit amounts are calculated, here’s a handy dandy SDI and PFL Weekly Benefits Chart courtesy of the EDD. If you’re like me and math isn’t your jam, check out the chart to find out what your weekly payout will be based on your highest earning quarter. BUT, of course, I’m highly suspicious and must know exactly how my monies are calculated! [Cue slogan: If you’re messin’ with my money; you’re messin’ with my emotions!]

Take your total wage earned in your highest quarter ($15,000) and divide by 91 (number of days in a quarter). You made $165/day during that quarter, but the state will only pay you 55% of that. So, multiply by .55 and you’ll get $91. Finally, multiply by 7 and you’ll have your weekly benefit amount of $635. Voila!

A heads up that the current cap is at $1,104/week or a wage of $26,070.92+ for the highest earned quarter.

Where’s my money? 

You’ll get paid every two weeks. The EDD will send you a debit card and they will automatically deposit funds to that account. You can either use the debit card like you normally would (swipe for purchases, ATM, etc) or set up an automatic transfer of funds from the debit card account to your regular bank account. Easy peasy!

Being out on maternity leave with a newborn can be stressful at times. Understanding your finances and how much you’ll be earning while out on leave ahead of time may help reduce some of the uncertainties that come with being a new parent.

 

Just a couple weeks shy of one year at your job? FMLA and CFRA are retroactive

Here’s a common scenario: Pregnant Pam doesn’t qualify for FMLA or CFRA when she starts her maternity leave 4 weeks before Little One’s due date, but while on leave she’ll reach her one-year work anniversary. Will she qualify for FMLA and CFRA at that point and be able to exercise those benefits? YES, she will!!

A group of very happy people isolated on white background

FMLA and CFRA are sneaky little bastards. They never fail to mention that in order to qualify for both laws you need to have worked for at 12 months and have worked at least 1,250 hours, but they don’t make it obvious that eligibility can be retroactive. That’s right, retroactive!

FMLA has always allowed for retroactive eligibility, but it’s not common knowledge because it’s noted waaaaay down at the bottom of the regulations. Bastard. (Full text on FMLA regulations here. Retroactive bit is regulation 825.110, paragraph (d).)

But, in all fairness, since FMLA and Pregnancy Disability Leave (a state law that provides employees the right to take job-protected unpaid leave for a pregnancy-related condition; and its eligibility is not dependent on how long you’ve worked at your company nor number of hours you’ve worked) run concurrently, you’re essentially getting the same benefits/job protection on PDL as you would FMLA.

Retroactive eligibility for CFRA is actually new. The California Fair Employment and Housing Council recently issued amendments to CFRA, which will go into effect on July 1, 2015, and one of the revisions is exactly that: an employee who was not eligible for CFRA leave at the start of a leave, can become eligible while they are on leave.  The actual amendment to the law is:

If an employee is not eligible for CFRA leave at the start of a leave because the employee has not met the 12-month length of service requirement, the employee may nonetheless meet this requirement while on leave, because leave to which he/she is otherwise entitled counts toward length of service (although not for the 1,250 hour requirement). The employer should designate the portion of the leave in which the employee has met the 12-month requirement as CFRA leave. For example, if an employee is maintained on the payroll for any part of a week, including any periods of paid or unpaid leave (sick, vacation) during which other benefits or compensation are provided by the employer (e.g. workers’ compensation, group health plan benefits, etc.), the week counts as a week of employment. (Full text on the new regulations is here.)

HR staff should be aware of these changes to CFRA, but it’s definitely worth noting as you finalize your maternity leave timeline so you don’t get gypped. Because if you’re messin’ with my maternity leave, you’re messin’ with my emotions!

There are other important updates to CFRA worth mentioning. Stay tuned for a post on that soon!

 

Not eligible for FMLA/CFRA: What to do?

UPDATE: This post has been edited to reflect 2018 updates to CFRA eligibility requirements, as well as increased benefit amounts for SDI and PFL.

Maternity leave in the United States already sucks as it is, but what do you do if you don’t qualify FMLA or CFRA? Currently, to be eligible for FMLA or CFRA you need work for an employer with over 50+ or 20+ employees, respectively. Further, both laws are only applicable to those who have been at their current employer for at least one year, and have clocked in at least 1,250 hours of work within the past year. So, what happens to employees who work at small companies or are new(ish) to their jobs? They don’t qualify. Lame!

But, have no fear, even without FMLA and CFRA, you will be entitled to some level of job-protected and paid maternity leave.

First off, in the context of maternity leave in California – don’t worry about FMLA. FMLA is – more or less – irrelevant in California since Pregnancy Disability Leave (PDL) supersedes FMLA. So, even if you don’t meet the FMLA eligibility requirements, you are eligible for PDL as long as you are a California employee who works for an employer with 5+ employees. There is no additional eligibility requirement for PDL, such as minimum hours worked or length of service. Thanks California for looking out for pregnant mommas!

To cut to the chase, here’s what a PDL-only eligible timeline for a typical, uncomplicated pregnancy and vaginal childbirth looks like.

Screen Shot 2018-03-01 at 2.57.44 PMThe “Disability” portion of your leave

Let’s start by talking about the disability portion of your leave as highlighted below…

Screen Shot 2018-03-01 at 1.56.05 PM

PDL starts the first day of your disability (aka when your maternity leave starts), and provides up to 17.3 weeks of unpaid job protected leave for the purpose of pregnancy, childbirth, and other related conditions. You don’t automatically get all 17.3 weeks of leave. The actual duration of your PDL must be certified by your doctor, but the “default” duration of PDL for a healthy, uncomplicated pregnancy/childbirth is 4 weeks before birth and 6 weeks after for a vaginal delivery or 8 weeks after for a c-section. Should you have any complications during pregnancy (i.e. high-risk issues, preeclampsia, bed rest, etc) or post birth (physical issues, postpartum depression, etc), your doctor can certify an extension(s) beyond the “default” duration.

While PDL provides unpaid job protection for the duration you are “disabled” by pregnancy and childbirth, you may be eligible to receive wage replacement of either 60% or 70% of your normal weekly wage through State Disability Insurance (SDI). To be eligible for SDI benefits, you must have earned at least $300 from which SDI deductions were withheld during a previous “base period.”  Read this post for more information on the base period and how SDI is calculated.

The “Bonding” portion of your leave

Now, we come to the unfortunate, tricky part of being only PDL-eligible….the “bonding” portion as highlighted below.

Screen Shot 2As comparison, here’s what a PDL/FMLA + CFRA eligible timeline for a typical, uncomplicated pregnancy and vaginal childbirth looks like.

FMLA CFRA eligible

Typically, when a mother is eligible for CFRA, following PDL/SDI she is entitled to an additional 12 weeks of unpaid job-protected leave for the purpose “bonding” with the baby. During these 12 weeks of CFRA, you can get 6 weeks of partial pay though Paid Family Leave (PFL) and the remaining 6 weeks are unpaid. However, if you don’t meet all the CFRA requirements below, you are not entitled to job-protected time off for bonding following PDL.

CFRA eligibility requirements:

  • Work for an employer with over 20+ employees within a 75 mile radius
  • Have worked at employer for at least one year
  • Have worked at least 1,250 hours in the last year

By now, it’s clear that you aren’t eligible for job protection under CFRA, but can you still access PFL? After all, PFL is something you’ve been paying into through CA SDI tax deductions. So, here’s the actual tricky part….By virtue of having paid into SDI taxes, you are technically eligible to claim PFL following PDL/SDI. However – the kicker is – since PFL is only wage replacement and does not provide job protection, you would need to be CFRA-eligible to have your job protected while taking leave to collect PFL. Crap!

[UPDATE: The maximum duration of PFL benefits will increase from 6 weeks to 8 weeks, beginning on July 1, 2020. This does not change the fact that PFL is NOT a job-protected leave of absence. You must still be eligible for CFRA in order for your job to be protected while taking time off to collect PFL benefits.]

But, even when law mandated job-protected leave is not available to you, you may be able to still request leave independent from CFRA from your employer. So, it’s definitely worth the conversation with your employer to see if they have any Leave of Absence (LOA) policies outside of CFRA. The other bummer is that without law-mandated CFRA, your request to take leave would be subject to employer approval. If you do happen to get approval to take non-CFRA leave, PFL is paid out at the same rate as your SDI benefit.

I know it’s not much maternity leave compared to say Croatia, which gives moms an entire year of full pay. But, at least you’re getting some time to prepare and be with your little one….even if you’re sleep deprived.

IMG_2832.2014-06-06_001612

If you have questions regarding California maternity leave, or would like more information on how I can provide individualized support to help maximize your maternity leave, please visit Maternity Leave 411.

If you are PDL/FMLA + CFRA eligible, read this post on how to Milk Your Benefits!

Pumping at Work: Tips for making it work

Pumping is a labor of love. It takes a lot of time and effort, but you press on (or pump on) for the sake of your child. While everyone has their own timeline for how long they want to pump – or chose not to pump at all – here are some tips that helped me while I pumped at work.

First, let’s review the laws shall we….In California:

  • Employers must provide employees with a reasonable amount of break time to pump. (Labor code: 1030)
  • Employers must make reasonable efforts to provide
    employees with the use of a room or other location for pumping. This does NOT include toilet stalls or bathrooms (that is against the law). Also, it must be in close proximity to the employee’s work area employee. (Labor code: 1031)
  • If you feel that your pumping rights are being violated in any way, file a complaint with California Department of Labor.

Now, for the tips:

1) Get your hands on a quality breast pump. I use the Medela Pump In Style Advanced and really like it. I found it to be just as strong as a hospital grade pump, making it super efficient. Only downside is that it’s pretty loud.

PRO TIP: The health care law requires most health insurance plans to provide pumps for FREE. The only caveat is that your choice of breast pumps may be limited depending on your carrier. Before you go out and buy one, definitely check with your insurance carrier to see which pump they cover.

2) A hands-free breast pumping bra is your BFF. These babies are essential for multitasking. Just strap in, pump, and email on! I like the Medela brand – it’s nice and snug, keeping pump parts in place, yet still comfy. They tend to run small, so best to size up.

3) A cooler and ice pack makes for easy transportation of your liquid gold. This cooler, which includes two ice packs, by Munchkin worked great for me, but any ol’ cooler is fine.

4) An easy way to disinfect your pump parts will save you a lot of time and energy. I should know because I did it totally wrong by bringing a different pumping set for each session – that’s SIX (flange, pump, and valves) different pieces to wash every night! No bueno. Instead, put your used pump parts in a ziplock bag and store in the fridge in between session. As long as the parts are kept cold, the risk of contamination is very low.

5) Make pumping a part of your workday routine. Work can get very demanding and distracting. Before you know it, you’ve completely missed a pumping session and you’re engorged and uncomfortable. Grrrrreeeaaaat. Avoid these snafus by slotting your pump times into your work calendar. By blocking out times, not only will it help you stick with it, it will also let colleagues know you are occupado (busy).

1344643224146_1060723

The colicky baby tool kit

You hear so much about the joys about being a new mother that no one really warns you about colic, the inconsolable crying that lasts for many many hours a day. Baby E had colic…in a major way. Pediatricians say most commonly it starts around the second week of life, but for Baby E, colic reared its ugly head in the second DAY of life. Sigh.

While there is no one absolute cure for colic (awesome!), there are ways to keep it maintained (and your sanity in check). My husband and I tried and bought just about everything that was available, so here are some of the best and effective tools that helped Baby E. I write this post in hopes that my experience and recommendations help you and your little one. 

1) Yoga ball. If you have a crying baby stop what you are doing and get a yoga ball! Colic or not, the best way to soothe a crying baby is to bounce. With Baby E’s endless crying fits all that deep bouncing was turning my quads into those of an American Gladiator’s. Not cute.

Thanks American Gladiators for the image!

Thanks American Gladiators for the image!

There’s something about the deep bouncing that’s soothing for the baby – maybe it mimics how it felt like in the womb? For the budget conscious parent who is torn about splurging on a glider, get a yoga ball instead and save yo’ money. I have many friends who get far more mileage out of their $15 yoga ball than any fancy rocking chair. Just sayin’…

2) Gerber Soothe Colic probiotic drops. Like many babies with colic, Baby E also suffered from gas and reflux discomfort. I’m not a doctor, so I don’t know all the facts about these “friendly bacteria” gems, but probiotics basically help aid in moving things along in the gastrointestinal system. Since adults use probiotics for the same reasons, I figured I’d give it a shot with Baby E (after I consulted her pediatrician of course). I’ll say with confidence that this was a game changer for Baby E – within a week, I saw a major difference in her level of crying and overall discomfort.

There are several brands of probiotics out there, but you want to make sure that the bacteria is specifically, Lactobacillus reuteri (L. reuteri). Also, as a heads up, the Gerber and the BioGaia brands are the same thing – Gerber bought the BioGaia probiotics.

3) Rock n Play Sleeper. This portable, light weight bassinet puts a sleeping baby at an incline, which is very helpful for babies with gas, reflux or other GI issues. In full disclosure, this thing is a little controversial generating debate as to whether a baby should be sleeping in this for extended periods of time….but, it worked for Baby E. Honestly, when you have a baby with colic, you’ll do anything. Even if it means breaking the rules or doing something that the “perfect mother handbook” tells you not to do. Happy baby = happy mom. End.Of.Story. Oh, btw, there’s a vibrating mode on these bad boys that Baby E loved!

Baby E catching some Zzz's in the Rock n Play

Baby E catching some Zzz’s in the Rock n Play

If you don’t want to clutter your space with yet another baby item, just roll up some towels and place them under the mattress of the crib or bassinet. The incline really helps in alleviating gas and reflux pains.

4) Sound machine. Babies love the sound of vacuum cleaners, static or driving. Weirdos.

I once actually had the mini vac running while she was sleeping. Slept like a baby.

I once actually had the mini vac running while she was sleeping. Slept like a baby.

Similar to the yoga ball/bouncing theory, I think these sounds remind them of when they were nestled up inside mamma’s belly. Come to think of it, maybe colicky babies are just pissed off about having been evicted from the womb, so they are retaliating by crying a lot….I digress

There are tons of white noise machines for babies out there, but why pay money when you can get them for FREE on your iPhone of iPad!? The Sleep Pillow app, available on iTunes, has over 70 different sounds from light to medium rain, mother’s heartbeat, to hair dryer. Crap, it even has one called “beach resort hammock” – and it sounds diviiiiiine.

5) Infant carrier or sling. Baby carriers are clutch for any new parent who wants to be mobile. But, for colicky babies who want to be carried all the time, a carrier is a lifesaver. I don’t care how strong you are, a 7-8 pound baby will get heavy after a while. For Baby E, I think it was the skin-to-skin closeness that set her at ease. Confession: I would often wear her shirtless to “maximize” on the skin-to-skin. You gotta do what you gotta do, amirite!??

We tried out several carriers. We used the Baby Ergo with infant insert when she was first born – it was fine, but I think she was just too small for that carrier. I had heard great things about the K’Tan wrap, so I tried that next. It was a little cumbersome to put on, but once she was in it, she seemed to like it.

Baby E snug as a bug in the K’Tan. God, I look SO tired.

We’re currently using the Baby Bjorn now that she’s bigger, and that seems to work best for both me and Baby E. At the end of the day, any baby carrier that is comfortable for both you and the baby will do just fine.

6) Cranial Sacral Therapy. CST is “a gentle, noninvasive form of bodywork that addresses the bones of the head, spinal column and sacrum.” The thought is that the gentle massage of these areas will help in alleviating the points of stress, pressure and pain that may be leading to the colic/crying. I know what you are thinking: this is crazy; I know. It was so totally out of my comfort zone (it’s very hippy dippy), but it worked for Baby E. I was feeling pretty helpless and the glimmer of a promise that this would help improve things was reason enough for me!

When I went to the specialist in San Francisco, my first reaction was, “dude you are just touching my child’s face and head. I could have done that myself!” But, the reason why people paid him the big bucks was clear…it actually worked! Within just the first visit, I noticed a definite increase in her sleep duration, decrease in spitting up and gas discomfort, and crying. Even my husband who’s usually a totally downer about these types of things was impressed. He was a believer too – hallelujah!

As a heads up, check with your pediatrician to make sure that CST is the right move for your bambino. Also, call your insurance to see if you get partial or full coverage, as it’s not the cheapest service in the world.

Much like what our pediatrician told us, Baby E’s colic lasted for about 12 weeks before it kind of just suddenly turned a corner. Dealing with Baby E’s colic has been one of the hardest things I’ve ever had to do deal with. It’s tough, but it will end. I’ll promise you that.  Hang in there – you are doing amazing!

If you have any additional tips for colic, share them with the rest of us by leaving a comment. Sharing is caring!

It’s a New Year!

Happy New Year, everyone. I hope everyone had a restful holiday. I start this new year with a resolution….blogging.

I’m a first time mom to baby E (pic below…I mean, seriously, right? I just can’t), so I suspect much of this blog will be about baby stuff.

DSC_0812

 

But, I’ll throw in some general musings for good measure too.

So join me on my blogging adventures!

(Okay, in full disclosure, this first post sucked, but I need to get something in the books…)