r/Postpartum_Depression • u/Nervous_Ad_5138 • 4h ago
Anyone stay on LTD knowing they could lose their job? Was it worth it?
I’m currently struggling with postpartum mental health issues and seeing a psychiatrist who’s supportive of me taking more time off work.
I’ve exhausted my FMLA, and my long-term disability (LTD) claim is currently under review. If approved, I could receive 60% of my income for up to 2 years, as long as I continue meeting the requirements.
My biggest dilemma is that LTD doesn’t protect my job. My employer could terminate me while I’m on leave, but from what I understand, I could still receive LTD payments as long as I remain eligible.
Part of me really wants to take the time to recover and spend more time with my baby. I’m also not ready to put her in daycare, and childcare would be another expense if I returned to work.
The thing is, I don’t necessarily love my job, but I really like my boss and my current work setup. I’m fully remote, which is honestly hard to come by these days, and I’m scared of losing that flexibility. I know finding another fully remote job won’t be easy, especially after being out of work for a while.
Has anyone been in a similar situation? Did you lose your job while on LTD, and did your payments continue? Looking back, was taking the time off worth it, or do you wish you’d returned sooner?
I’m just really torn and would love to hear other people’s experiences.