Options financial help during maternity leave unpaid jobs require creativity, an open mind, timely action and a good workplace.
The private sector offers alternatives so that new parents can enjoy free time without pay. These options are available nationwide, but often require early action or a good credit score.
The government offers financial help during maternity leave more profitable. However, these alternatives apply only to people who work in specific regions or who meet strict requirements based on income.
- Private Options: loans, debt settlement, disability insurance, side work.
- Public alternatives: unemployment application, paid state leave, help with expenses.
Keep reading: Medicaid for pregnant women, what it is and how it works
- 1 Financial help during maternity leave (private options)
- 2 Financial help during maternity leave (government options)
Financial help during maternity leave (private options)
There are some private options available during maternity leave that help fathers survive in their spare time. These alternatives are not dependent on the laws of the region where you work, which benefits most US families.
44 states do not provide any type of monetary support during unpaid maternity leave!
If you work outside of the lucky six states (CA, HI, NJ, NY, RI, and WA), these private programs might be your only chance to find financial help during maternity leave.
maternity leave loan
Apply for a maternity leave loan to get money during your unpaid time away from work. Many parents with a good credit score and/or who can prove employment and income qualify to borrow money. This way, you can spend more time bonding with your baby without worrying about the bills.
Carefully plan the repayment phase. The first monthly installment will be due approximately six weeks after the initial disbursement. Set aside funds from your budget to meet this obligation. Check that your employer keeps your job open before applying for a loan.
Keep reading: Financial help for low-income single mothers
help with bills
Debt consolidation programs offer financial help with bills during and after unpaid maternity leave. Many parents bring a baby into the world together and receive bills from the doctor and hospital. Then they face additional expenses for infant formula, clothing, and perhaps baby furniture.
Plus, the regular expenses keep coming. Two types of consolidation programs offer assistance with many of these bills.
- Debt relief companies negotiate with creditors to reach an agreement.
- Consolidation loans lower monthly payments by extending repayment terms.
short term disability
Using short-term disability for maternity leave sometimes works to provide partial income replacement. These private insurance policies can cover the mother’s free time in three scenarios.
- Pregnancy complications before birth
- Recovery from labor and delivery
- Postpartum medical complications
Unfortunately, most new moms won’t be able to take advantage of them. You must purchase coverage prior to conception. The new policies contain a 12-month exclusion for pre-existing conditions.
Earning extra money during unpaid maternity leave can help parents survive on a lower income. However, many of these options require mom to start the process ahead of time. Things take time, and the work-from-home hustle and bustle doesn’t pay off right away.
Check out these ideas for making money online long before you quit working:
- Start a maternity blog
- Become a virtual assistant
- Perform freelance services (editing, writing, graphic design)
- social media marketing
- Take online surveys
Keep reading: How to make money online (and fast)
Financial help during maternity leave (government options)
Sometimes new parents can seek financial help from the government during maternity leave. Federal laws apply throughout the country, but only offer legal unpaid work and insurance protections that last up to 12 weeks. State rules apply only to people who work in their jurisdictions.
Collecting unemployment compensation during unpaid maternity leave rarely works as a source of financial assistance from the government. Universal rules exclude this source of funding during the time the mother is recovering from childbirth and while caring for her newborn.
Some parents may be eligible for unemployment benefits after their maternity leave ends, if they quit or lost their job for a good reason. Approximately 22 states have expanded definitions of statutory good cause that fit this scenario.
- Maternal disability related to pregnancy
- Caring for a family member with a serious medical condition (Mom has pregnancy complications / Baby is premature or sick and requires home care)
Keep reading: Food assistance programs
States with paid leave
There are states that offer paid maternity leave, this is the main form of financial assistance from the government.
These rights come in two forms and cover unique situations.
- Mothers have a disabling medical condition
- Bonding with a newborn baby, adopted or foster child
- Caring for a seriously ill family member
paid family leave
Only five state governments have mandatory paid family leave that covers mom and/or dad when they’re away from work. California, New Jersey, New York, Rhode Island and Washington.
These programs offer partial income replacement in these scenarios:
- Bonding with a newborn baby or foster child
- Placement of the foster child in the home
- Husband cares for wife suffering from pregnancy complications
- Caring for a premature or sick baby at home
The maximum amount and time period vary.
Only seven state governments have a mandatory temporary disability that covers the mother during times when she is physically unable to work. California, Hawaii, New Jersey, New York, Rhode Island, and Washington.
These programs offer paid maternity leave benefits in these three scenarios:
- Stops working before delivery due to pregnancy complications
- It takes 6-8 weeks to recover from childbirth (labor and delivery)
- Postpartum medical complications delay your return to work
Keep reading: Help single mothers for housing
help with expenses
The federal government has a number of rights that help reduce spending. Parents need to watch every penny during unpaid maternity leave. So take advantage of these cost-saving rights if you qualify for them.
Remember that many public programs are means-tested (based on income). Loss of income during your time off improves eligibility for some of these options and has the opposite effect on taxes.
Single mothers often qualify because their household has only one income.
The federal government may subsidize health care costs during and after maternity leave. Paying insurance premiums without the mother’s income can be very difficult. Maintaining coverage is essential for a hospital stay or dealing with a sick baby at home.
The loss of health insurance it is a fairly common qualifying life event for parents without FMLA legal protections. FMLA does not cover small businesses with fewer than 50 employees.
- A qualifying life event allows you to purchase coverage outside of annual open enrollment.
- Income-based subsidies reduce premiums and cost-sharing expenses.
- Medicaid may cover three months of retroactive coverage for low-income pregnant women.
Temporary Assistance for Needy Families and Food Stamps (Supplemental Nutrition Assistance) are federal government programs that parents can take advantage of while they are out of work. Unpaid extended maternity leave can actually improve your qualifications for these earnings-based entitlements.
Pregnant women enjoy special considerations.
Both the federal and state governments offer tax-saving opportunities to new parents. Many expenses that occur during and after maternity leave qualify as tax deductions. Talk to your accountant about using a Flexible Spending Account and/or Schedule A for some of these common situations.
- Hospital bills for labor and delivery
- NICU charges per sick infant
- breast pump
- child care expenses