I am very waffling on a third. A big part is we cannot afford 3 in daycare. But if I got a year's paid, like Canada, I would be TTC-Ing now!
Canadian Bees, does the fact that you get a year off affect your family plans?
I am very waffling on a third. A big part is we cannot afford 3 in daycare. But if I got a year's paid, like Canada, I would be TTC-Ing now!
Canadian Bees, does the fact that you get a year off affect your family plans?
pear / 1503 posts
It doesn't yet, we only have one kid so far, and had always planned on two. But, I can maybe see wanting a third kid someday. I don't know if I'd be so open to the idea if we had American-style maternity leaves. I don't enjoy pumping, and I'm not sure I could manage it long-term. Also, child care is really expensive under 18 mo., and there aren't many spaces. One of the election promises from the winning party in the last election was to increase parental leave to 18 mo, but at a lower rate of pay. I'm divided on that, and part of me thinks that it would just be better to subsidize daycare for under 18 mo and open more spots.
cantaloupe / 6885 posts
Not really...kids are expensive in the long run (daycare, activities, etc). Plus it's not a full year at full salary - it's a maximum of about 900$ biweekly (and then sometimes companies have their top ups or benefits, mine gives 6 weeks full pay) so there is somewhat of a financial hit you take being off that long.
So while I am so so grateful to have a year off (I can't imagine going back as early as some American moms have to - total rock stars in my book) it doesn't really change my mind to be done at 2. Though I can totally see how the challenges of American leaves would prevent moms from having more children, if that makes sense.
pineapple / 12793 posts
I won't get a maternity leave with #3 because #2 & #3 will be too close together.
I wouldn't say that the leave has effected our family planning, but taking a year off multiple times in a few short years has put my boss in a difficult position. My role is hard to fill and she has had a hard time finding temporary employees that are suitable and willing to work on a short contract.
I think normal family spacing 2-3 years between children makes the workplace situation tricky. Add in a third or fourth child and you've got to replace someone every other year for six or eight years. It's tough. I think a three or four month maternity leave would make that bit easier.
That said, I have loved being home with my girls and am so so so grateful that we have had this time and that our government supports families in this way.
GOLD / wonderful coconut / 33402 posts
No. Kids are expensive, one year of day care/leave doesn't account for a lot.
wonderful pear / 26210 posts
@Charm54: I know I have asked this before, but I am going to ask again because I can't keep it straight, is it self paid, as in, you only can take out what you've paid into the system?
eggplant / 11716 posts
@looch: I'm pretty sure in Canada, it's not "self paid", like you can only take out what you put in. In NJ, we actually have NJFLI (New Jersey Family Leave Insurance) for 6 weeks and I feel like it's a workable system that could be extended. Every worker in the entire state pays into it--and the payment is very small and depends on income...mine is about $1.50 per paycheck. Then, any worker in the state can utilize it for family leave, which also includes taking care of a seriously ill family member.
It's not a lot of money, it's about $450 a week, max. (less if say, you had a low paying job before...it's a % of your salary, with a max of $450/week). But it's something.
I would love to see something like this nationwide, but providing for 6 months at least. A small amount taken out of every worker's paycheck, and *anyone* can use it for "family leave". That way it's not just for women having children, but also people taking care of ill family members, aging parents, etc.
In NJ, you can only use it once every 24 months.
cantaloupe / 6397 posts
@looch: Chiming in! It's partially self-paid, as in we contribute each pay, and our employer contributes, and the government contributes. But if you never ever use it (not just for mat leave, this is for "employment insurance", so everyone who works pays in), you don't get it back. And if you haven't paid in enough to cover your leave, it doesn't matter... it doesn't run out.
cantaloupe / 6397 posts
To answer the original question, no, having a long leave doesn't change our plans for # of kids! I agree with everything @Charm54: said.
pomegranate / 3604 posts
I probably have the best leave in all of Canada because my province is very spechual.
And yes, I deliberately moved here for all the additional family benefits (extra baby bonus, better mat leave, subsidized daycare) and the cheap rent & hydro so I could afford the family size I wanted.
cantaloupe / 6885 posts
@looch: ya, so you pay into EI (Employment Insurance) as you work, up to a maximum of about 950$ a year. Then if you lose your job or go on parental leave, or can't work for a number of reasons, you collect from that fund (as long as you have worked X amount of hours) So some people may never collect from EI and still pay into it, and some people will collect more than they ever contribute.
I'll have gotten almost $50,000 in benefits for my two leaves by the time I'm done. It will be almost a lifetime of working before my husband and myself would contribute that much to the fund.
wonderful clementine / 24134 posts
I dont think that the leave is whats really holding me back but obviously getting a year off would save almost $10k in daycare payments.
persimmon / 1188 posts
I don't think so because more kids would be a lot in the long run, not just the first year. It might change the timing, but then I don't know. If I was out for a year with my son I'd only have a year back now instead of almost 2 so I might not be ready to try again.
wonderful pear / 26210 posts
@Charm54 and @sslm: Thanks for clarifying. I know I didn't understand exactly how it worked!
I think that the very last piece is what would keep similar legislation from getting passed in the US: that you will potentially collect a lot more than you contributed. I also think that Americans would make it a sliding scale, so the more you make, the more you would contribute, which people also freak out about.
eta: I was eligible for 7 months of leave when my son was born, at full pay. I gave birth abroad, where the government mandated leave was 3 months, but because I had more than 11 years of service, the company offered an addtional 4 months. I thought that was also a good approach.
pomegranate / 3604 posts
@looch: well that's actually how it works here too, since it's a percentage based on what you make. But if you contribute more, you get more, up to the maximum stated above.
Not everyone gets the 1800$ per month.
GOLD / wonderful apricot / 22646 posts
While I would much rather have a longer maternity leave, this wouldn't factor into my decision about the # of kids we have.
wonderful pear / 26210 posts
@sera_87: ah, okay, I misread, assuming that everyone pays $950, but in re-reading I see that is not the case!
So the max anyone could recieve is $1800, split $950 as self contributed and the balance split between the company and the government?
hostess / wonderful persimmon / 25556 posts
Honestly, it would depend on more than just childcare. My parents are willing to watch any future (haha) children. But, we have $1000 in health care payments every month and we would have to pay about $6k for the birth. So, it's not leave, it's $$ that keeps us from having another.
pomegranate / 3604 posts
@looch: ok I'm sure the company also contributes through its taxes but we never see that, really. So if you were taxed at the highest percentage, you'd contribute 950$ per year into this huge pot where all working Canadians contribute. Then, when you go on leave (and EI can be used for stuff other than maternity leave), you'd receive 1800$/month from the government.
Now, some companies offer a 'top up' and its up to the company itself to choose what kind and how long to do so. So for example, one school board could offer to top up to 90% of your pay (EI is 55%) for 6 months, while another could offer 75% for 3.
Lots of companies don't though; it's not mandatory.
hostess / wonderful persimmon / 25556 posts
@regberadaisy: I'm not into working the system.
wonderful kiwi / 23653 posts
I absolutely think I'd at least consider a 3rd if benefits are better and I can take a longer leave. Yes, a 3rd is still more expensive, but I feel like it's the short leave, unpaid, etc that really makes it hard in the beginning.
persimmon / 1101 posts
Heck yes! I'm still worried about even going for a second. If I could be off for a year with a little bit of income, I could let me mom do more babysitting full time and pay less for daycare, but I know she doesn't really want to watch an infant. We'd be smooth sailing if we could just pay for two kids in preschool with part-time grandma care!
ETA: I'm entitled to 12 weeks, but completely unpaid (or I can take the leave I've accumulated).
blogger / wonderful cherry / 21616 posts
It's actually a huge factor I'm taking into consideration in deciding whether to have a second or not. I'll likely be able to do 12 weeks (fmla, and I think my company does 6 weeks paid at 60%, and then if I can accumulate enough PTO I can cover an additional 6 weeks full pay). But I really wish I could do six months. I stayed home with my first for a year, and it was insanely hard financially, but I'm so glad I did it. Then I went to work part time, and didn't start him in daycare full time until a year ago (at 2.5). I was so lucky to be able to do it that way. But I likely couldn't if I had a second.
coconut / 8861 posts
I've always wanted two kids and have two kids, so I'm good on that. As for maternity leave, my company increased leave by a month right before mine started. It was a truly wonderful summer with my newborn and toddler. Do I want to do it again, no thank you. I would like to sleep like a normal human being before I turn 40 and go back to knitting again.
honeydew / 7444 posts
@looch: one thing to add is that you will need to have worked a minimum number of hours in the last 52 weeks prior to going on leave to be eligible. You should also think of EI payroll deductions as a tax. There is a max annual amount you have to pay for Canadian Pension Plan and Employmeny Insurance and some max out if they are higher earners and others may not pay that amount. Companies also have to pay EI and CPP but it's at a different rate.
Here is a link if you are curious: http://www.servicecanada.gc.ca/eng/ei/faq/faq_general.shtml
@sera_87: @Charm54: @anagram: the max has gone up to $2020 per month.
To answer the original question, NO! My company tops up 70% for 17 weeks and I have to say we only feel a pinch in the last 2 months of leave (bc DS started daycare early) but I have no desire to have more kids.
nectarine / 2797 posts
No way. I have excellent leave by US standards (full pay for 12 weeks). What's keeping me from having any more children is the idea of having to take care of them after maternity leave while working FT! I'm already scared enough about the transition to two kids in a few months. The cost of daycare is the other big piece. If we have a third it will be once LO1 is 6 and in school full time.
coconut / 8430 posts
No, it wouldn't change my plans. There's a lot more to raising a kid than the first year!
GOLD / wonderful pea / 17697 posts
Nope, two was our max regardless, since we're looking at the long-term cost of raising kids, not just the short-term daycare costs. But I do desperately wish I could have a longer maternity leave!
GOLD / wonderful olive / 19030 posts
@regberadaisy: Same, we want a third but waiting until DD1 is in kindergarten, if we had a year paid I would push the timeline up sooner for sure!
grapefruit / 4988 posts
No. There are lots of reasons we only want 2, and money isn't the biggest factor. Plus childcare is so so expensive here, and the cost of raising kids in general is huge. Getting one paid year wouldn't actually help all that much over the long run.
pomelo / 5660 posts
@regberadaisy: honestly a bigger factor is cost of daycare. For me at least.
eggplant / 11716 posts
My factors are a combination of no paid leave, short leave, and cost of childcare. I probably would consider a 3rd if I had a year off with some pay, because then LO 1 would be in free kindergarten.
wonderful pear / 26210 posts
I never answered! But no, it wouldn't affect my decision.
@Anagram: I also think that the NJ soultion could be extended. I would love to see it topped up by employers, but given the direction they are moving with passing more of the cost of health insurance to employees, I don't see that happening. I'd personally love to see more subsidized child care.
cantaloupe / 6885 posts
@Freckles: I actually just noticed that today - I got my EI payment and it was about $100 more than usual. That's awesome!
eggplant / 11408 posts
@oliviaoblivia: I've been meaning to ask you....how did your boss take it when you broke the news?
pineapple / 12793 posts
@LovelyPlum: I emailed her yesterday (kinda been putting it off....) And I haven't heard from her yet..... Soooooooo. It is what it is.
eggplant / 11408 posts
I think my lack of leave will change the number of children only in that we'll have to adjust the timing between them, which probably means fewer children in the long run. My situation is a bit different, though, as I'm in the middle of a doctoral program. When I had LO, I was able to take a bit of time off, and then the semester ended, so that was helpful. But I really could have used more time, as I'm pretty sure the stress of it all contributed to the PPD/PPA that I battled for over a year. I could technically take a leave of absence after a child, but then I would not get paid, and I would lose my health insurance. So, I didn't.
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