What to do when I have to close my daycare early for maternity leave??

[AmandaKDT]

I have a couple of my daycare parents that are sticking with me until the bitter end! haha. It's certainly not a full daycare, but at least 3 days a week I'll have a couple kids, so better than no income! I have to admit...it makes me really frustrated that simply by choosing to be self employed and to run my own daycare, I feel like I am being punished when it comes to a maternity leave. A maternity leave that every other employed woman has the right to, and yet we don't, unless we PAY into EI ourselves? And even then.....they take the 55% of our pay from our income AFTER all of our expenses? God I have so many expenses. It's just ridiculous. Ok vent over. My pregnancy hormones plus this insanity of my daycare having to close down early is just so beyond frustrating to me. I have been in tears for days about it. I put so much into this job and feel like it screwed me over.

All those other employed women ARE paying for EI themselves, it is just that their employer is automatically taking that money off their paycheck. But yes, I feel your stress. Being unable to be fully employed until the end when you don't qualify for sick leave EI makes things very hard financially.

[Lee-Bee]

All those other employed women ARE paying for EI themselves, it is just that their employer is automatically taking that money off their paycheck. But yes, I feel your stress. Being unable to be fully employed until the end when you don't qualify for sick leave EI makes things very hard financially.

The women pay it, they just don't see the money as their employer deducts it form their pay first. As well, the employer has to pay a portion as well...which means that the women make less...because any company would take this into consideration when they choose how much they pay - they have a set amount they can afford then they see how much they will be responsible for paying and give the wages to reflect this.

The only difference is that as a self employed person you SEE and HOLD the money first then pay it...for employees they just get the left overs as their pay check! It's kind of like paying for something in cash versus debit/credit. If you just charge it you don't see/feel the impact as much as having to count out and hand over the cash! In the end it costs both the same (unless you charge it and don't pay before interest lol).

[AmandaKDT]

The women pay it, they just don't see the money as their employer deducts it form their pay first. As well, the employer has to pay a portion as well...which means that the women make less...because any company would take this into consideration when they choose how much they pay - they have a set amount they can afford then they see how much they will be responsible for paying and give the wages to reflect this.

The only difference is that as a self employed person you SEE and HOLD the money first then pay it...for employees they just get the left overs as their pay check! It's kind of like paying for something in cash versus debit/credit. If you just charge it you don't see/feel the impact as much as having to count out and hand over the cash! In the end it costs both the same (unless you charge it and don't pay before interest lol).

Which is exactly why I pretend the money I receive from one daycare spot doesn't exist - it goes directly into my savings account to use for paying my income taxes and such.

[LizzyGrant]

Which is exactly why I pretend the money I receive from one daycare spot doesn't exist - it goes directly into my savings account to use for paying my income taxes and such.

I do the same but I just didn't account for a whole 2 months off work before my maternity leave...so those savings will be partly going towards that time now. Booo!!!

[LizzyGrant]

All those other employed women ARE paying for EI themselves, it is just that their employer is automatically taking that money off their paycheck. But yes, I feel your stress. Being unable to be fully employed until the end when you don't qualify for sick leave EI makes things very hard financially.

Yes for sure. What I meant is that we have to do it ourselves...like go online and register for it and then wait a year to make a claim. Not a big deal but had I not thought ahead about this and just gotten pregnant, which I'm sure happens a lot, I'd have no EI at all...my timing just happened to work out well for my due date and when I registered for EI last year. It just doesn't seem fair for self employed women though.

[Suzie_Homemaker]

Yes for sure. What I meant is that we have to do it ourselves...like go online and register for it and then wait a year to make a claim. Not a big deal but had I not thought ahead about this and just gotten pregnant, which I'm sure happens a lot, I'd have no EI at all...my timing just happened to work out well for my due date and when I registered for EI last year. It just doesn't seem fair for self employed women though.

Isn't that part of having your own business? The need to do things yourself rather than have an employer do it?

You have to apply for EI yourself. You have to write receipts yourself. You have to stock up on business supplies yourself.

I don't understand what you think is unfair for self-employed women? Self employed men also have to do this business related tasks themselves too. What were you expecting when you went self-employed?

[LizzyGrant]

Isn't that part of having your own business? The need to do things yourself rather than have an employer do it?

You have to apply for EI yourself. You have to write receipts yourself. You have to stock up on business supplies yourself.

I don't understand what you think is unfair for self-employed women? Self employed men also have to do this business related tasks themselves too. What were you expecting when you went self-employed?

It was just me venting. Sorry to have offended you by it. What I meant is that I know of other mothers on here and in general who have been affected by getting pregnant before applying for EI or applying for it and giving birth before the one year we have to wait to make an EI claim. Which was why I specified women, not men. Because I was speaking about this in terms of getting pregnant while being self employed.