Legal Question in Medical Leave in California
I am going on maternity leave in January and was told that my employee paid medical benefits would only be paid for 12 weeks, even if I disabled 3 months prior to the birth. That means I would have no medical coverage to fund the birth if I did have to leave early. Is this legal and do I have any options? COBRA is ridiculously priced.
2 Answers from Attorneys
If your CA employer has at least 5 employees, they can not fire you because you are pregnant, must allow you to continue working as long as you are able, must 'reasonably' accommodate your disability, must allow up to 4 months of unpaid pregnancy leave under FEHA, and return you to the same or an equivalent job upon return to work, with accrued benefits.
If your CA employer has at least 50 employees, and you are employed for at least 12 months, have at least 1,250 hours worked in the 12 months prior to the leave, then you would be eligible for 12 weeks of unpaid FMLA / CFRA maternity / medical leave when you are unable to work [or must care for an immediate family member] because of a �SERIOUS health condition� [that is properly confirmed and documented by your doctor], continuation of group health benefits, restoration to the same or an equivalent job upon return to work, with accrued benefits. The employer can require you to use all accrued unused leave[s] as part of the 12 weeks, so as to make that portion 'paid'. The leave may be taken on reasonable intermittent basis if that need is properly documented by your medical provider.
If you qualify for both, you get both. If you are out longer than those guarantees, they can fire you.
If your employer has a policy requiring they hold your job for you for a specific period of time while on disability, longer than the FMLA / CFRA rules provide, that is enforceable.
Overriding those stated protections, just because you are on leave does not mean you can�t be terminated. You have no special exemption against lay offs or termination due to business reasons. A company in downsizing can lay off a FMLA / CFRA leave person, as long as they can show they aren�t targeting �because of the leave�. They are simply risking claims if they do.
Upon termination from employment, you are entitled to COBRA conversion of your medical benefits [if any], allowing you to pay for and retain your insurance coverage.
Now, if they violated those rules, contact me for the legal help you'll need. I'll be happy to do so. I've been doing these cases for over 20 years.
As they said, you would be entitled to paid medical insurance benefits during the 12 weeks or FMLA / CFRA leave, and an argument that benefits are also to be continued during the pregnancy leave under FEHA.
Assuming you will require medical leave for a pregnancy related disability, prior to taking time off under the FMLA for baby bonding, the employer must treat you the same as it does all other employees, which means you cannot be singled out by discontinuing your medical benefits due to pregnancy. If you anticipate this will become a problem with your employer, you may wish to hire an employment law attorney to try to resolve the matter with your employer before they discontinue your benefits.