How to Get Paid While on Maternity Leave in Texas
Having a child is a joyous occasion, but it can also bring financial challenges. Maternity leave can be unpaid, and losing a significant portion of income can put strain on families. Fortunately, there are options available to help you get paid while you’re on maternity leave in Texas.
In this article, we’ll cover the different ways to get paid during maternity leave in Texas, including state and federal programs, employer-provided benefits, and private insurance.
Short-Term Disability Insurance
Short-term disability insurance (STD) is a type of insurance that provides income replacement if you’re unable to work due to a disability, including pregnancy and childbirth.
To qualify for STD, you must have worked for your employer for a certain period of time and have paid into the insurance plan. The amount of income replacement you receive will vary depending on your plan and your salary. In Texas, STD benefits are typically paid for up to six weeks.
Unemployment Insurance
In some cases, you may be eligible for unemployment insurance (UI) benefits while you’re on maternity leave. To qualify for UI, you must have lost your job through no fault of your own, and you must be able to work and available for work.
The amount of UI benefits you receive will vary depending on your previous income and the length of time you’ve been unemployed. In Texas, the maximum UI benefit is $521 per week.
Employer-Provided Leave
Some employers offer paid maternity leave as a benefit to their employees. The amount of leave and the terms of the benefit will vary depending on the employer.
If your employer offers paid maternity leave, be sure to read the policy carefully to understand your rights and responsibilities.
Private Insurance
Some private insurance plans offer maternity coverage. This coverage can vary depending on the plan, so it’s important to read your policy carefully to see what’s covered.
If you have private insurance, you should contact your insurance company to find out if you have maternity coverage and what the terms of the coverage are.
Tips for Getting Paid While on Maternity Leave
Here are a few tips for getting paid while you’re on maternity leave:
- Apply for short-term disability insurance. If you have access to STD insurance, it’s a good idea to apply as soon as possible after you learn you’re pregnant.
- Apply for unemployment insurance. If you qualify for UI, be sure to apply as soon as you lose your job. You can apply online or at your local unemployment office.
- Talk to your employer about paid maternity leave. If your employer offers paid maternity leave, be sure to find out what the terms of the benefit are and how to apply for it.
- Contact your insurance company. If you have private insurance, contact your insurance company to find out if you have maternity coverage and what the terms of the coverage are.
FAQs About Maternity Leave in Texas
Here are some frequently asked questions about maternity leave in Texas:
- How long can I take maternity leave in Texas? There is no state law in Texas that mandates paid maternity leave. However, some employers offer paid maternity leave as a benefit to their employees. You should check with your employer to see if you’re eligible for paid maternity leave.
- Do I have to take maternity leave? No, you are not required to take maternity leave in Texas. However, if you do take maternity leave, you are entitled to certain protections under the law. For example, your employer cannot fire you or discriminate against you because you took maternity leave.
- How much will I get paid while on maternity leave? The amount of income replacement you receive while on maternity leave will vary depending on the type of leave you take. If you take STD, you will typically receive 60-70% of your regular salary. If you take UI, you will receive a percentage of your previous income, up to a maximum of $521 per week.
Conclusion
If you’re pregnant and planning to take maternity leave, it’s important to understand your options for getting paid. By following the tips above, you can increase your chances of receiving income replacement while you’re on leave.
Are you interested in learning more about maternity leave in Texas? Leave a comment below and I’ll be happy to answer your questions.
