Yes, as playfelt says, this is not as great a windfall as you think. I opted to suck it up and have my time off unpaid when I had my second. Once you start paying in, you have to keep paying. You can't just take a year off collecting benefits and forget about paying again. The premiums are small for a reason....payout is small too. In my opinion,it is much easier to just save for time off. Please research carefully.