Having a disability could happen to anyone regardless of age and gender. Parents who have a baby with a long-term disability are shouldered with greater responsibility when it comes to caring for their child.
If your baby has a long-term disability, there are many considerations that you must make in order to properly provide for your baby’s needs. Aside from treatment, here are other factors that you must take into account when your baby has a long-term disability:
1. Getting a Long-Term Disability Insurance
Long-term disability insurance is vital for everyone and much more for female employees in particular. It is designed to protect employees from future loss of income in the event that an employee has an illness or suffers from an accident that may hinder them from working again. This may also cover their dependent’s illness, injury, or long-term health issues. Through the benefits of long-term insurance, an incapacitated employee can still have a stream of income to cover essential expenses.
When it comes to knowing more about long-term disability insurance, there are a lot of policy details to be aware of. Here are some of the benefits of long-term disability insurance for parents whose babies have a long-term disability:
- You can preserve your savings for your family or child’s other future needs.
- With long-term disability insurance, you don’t need to borrow money to support long-term health care and medical expenses.
- You can add special services for your baby such as having health aides, home-delivered meals, chore services, and other more.
2. Career Change and Work Schedules
For parents, balancing the importance of working and supporting your baby’s long-term medical needs is crucial. Your constant presence and attention are needed as your baby will be highly dependent on your care even beyond their infant years. Working parents, in particular, should carefully scrutinize a plan in order to balance work and caring for a baby with long-term disability.
Here are some aspects you need to consider:
- Career Change
For parents who have a child with a long-term disability, a career change is one of the possible considerations. Shifting to a job that offers a more flexible schedule is necessary to give your baby full attention. Baby care demands parents’ time and attention, especially if the child has a long-term disability. Home-based jobs are becoming a trend now and can be one of the possible solutions you can take on.
- Ask Your Employer
For working parents, asking your employers about comprehensible childcare support that the company may offer is essential. In-depth knowledge and understanding about the benefits, duration, coverage, and long-term assistance it provides should be prioritized.
See if the company you’re working for can offer the following long-term benefits for employees with disabled children:
- Covering the daily expenses of healthcare for your child
- Fund for your child’s other special needs
- Fund for your child’s caregiver, salaries, wages, and other costs it may incur
- Workloads and Schedules
Working parents who need to attend to their baby’s medical care are should carefully consider their work schedules. The Labor Code amended support for employees with disabled children, which primarily focuses on employees’ flexible schedules and other concerns.
It is addressed to parents who fall under the following categories:
- Parents of an unborn child if the pregnancy is at risk.
- Parents of a child with severe and irreversible impairment or life-threatening illness.
- Parents of a child with severe to moderate level of disability.
- Parents of a child who needs special attention and educational support.
3. The Impacts of Disability to the Family
A chronic medical condition affecting any member of the family has significant impacts on the family as a whole. These may include the family’s economic and financial status, adjustments in career or educational development, and more.
Focusing on your baby with a long-term disability is important, but if you have other children, it is important not to neglect them as well. Depending on the age and maturity level of your other children, having an infant sibling with an impairment or disability may be difficult to accept emotionally and psychologically.
It is vital that you also explain the situation to your other children and let them understand why their sibling needs extra care and attention. Your focus should not fall on your baby with a disability alone, as you also need to consider your other children’s feelings in order to prevent them from harboring jealousy or resentment towards their disabled sibling.
4. Considerations on Future Educational Plans
When your baby has been diagnosed with a long-term disability, thinking about your their medical treatment is essential. However, just as important is considering the educational setup they will have once they begin school. At the moment, it may feel like a long way down the road since your child is only an infant, but it is important to plan and prepare for their future as education is a vital part in their growth.
In considering your baby’s future, opening the topic up to your child’s doctor should be first on the list. Depending on your baby’s disability, the doctor could suggest either pursuing a regular school setup or a home-school program.
The Bottom Line
Careful consideration and discussion are needed when it comes to dealing with your baby’s long-term disability. There are many factors that need to be addressed aside from their medical treatment, such as getting long-term disability insurance, work schedules, career adjustments, family life, and the baby’s educational setup in the future. As a parent, you need to carefully think about these aspects in order to help your baby grow into a healthy, well-developed child despite their disability.