Also think about maternity leave in terms of will you actually take a full year off and benefit. Since we are at home many take only a few months and then start back into care. You can't work and collect benefits. The reason for paying in is mainly for maternity leaves. I don't believe you can collect for any other reason such as low enrollment so as mentioned you would do better to just save the premium yourself each month and then pay yourself while on mat leave.
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