No, it isn't illegal for an employer to require employees to use their vacation. Employers can enforce this process because vacation time isn't a requirement by law.
Short term disability will cover your maternity leave if you purchased a policy before getting pregnant. Social security disability will not cover maternity leave, nor will most long term disability policies.
Depends. What state are you in? Are a Paid Time Off participant or are your vacation, sick and holiday separate?
Did you break it at work? If not, no. You take your short term disability / or PTO time - check and see how / when this 'kicks' in. Usually you have to be out a full week before it applies. Hopefully you have that much PTO/vacation time to apply to it before you can get your short-term activitated.
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Congenital happens before birth, acquired after.
Every state has different labor laws but generally no, most employers require you to be 100% fit(no restrictions) before they will allow you to return to work. EXCEPT, those larger employer subject to ADA must not require that you be 100% fit - but only able to perform the ESSENTIAL functions of your job with or without reasonable accommodation.
The company doing the work may require you to pay the deductible amount before they start doing the job.
If you are currently unable to work or disabled, you may not be able to qualify for a regular disability insurance policy. There are few insurance companies that can offer substandard disability insurance, or graded benefit disability insurance. You should discuss this with an experienced agent, before you get the surgery.