Bryce Covert has a fascinating article in the Nation right now about how baby-having can put you deep in debt — not just because babies are expensive, but because U.S. parental leave policies put impossible financial strain on new parents.
When it comes to taking time off for a new baby, the best-laid plans often go awry. Sonya Underwood had worked at a hospital in Atlanta, Georgia, for eleven years before getting pregnant with her third son. As a single mother, she prepared to cover the income she would lose during her unpaid leave, hoarding paid time off and taking out disability insurance. And then real life intervened. Doctors told Underwood that she had an incompetent cervix and put her on bed rest three weeks ahead of schedule. Then her son arrived at twenty-six weeks. The twelve weeks of leave she is guaranteed by the Family and Medical Leave Act soon ran out, as did the insurance, even though her son remained in the NICU. “I didn’t have any money left,” Underwood said. So she went back to work and visited him at the hospital every day.
But once her son came home, Underwood’s situation quickly became untenable. Daycare centers wouldn’t take a medically fragile baby. Her human resources department informed her that her only choice was more unpaid leave. “It didn’t help out my situation because I still had rent due, my car note due, utilities, everything else,” she said. After she exhausted that leave, she was let go from her job, lost her car and couldn’t qualify for unemployment insurance because of her role as her son’s caretaker. The only places left to turn were Temporary Assistance to Needy Families and a loan she already knew would be difficult to pay back. “I’m a victim of FMLA because it didn’t help my family,” she concluded.