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Chief
That is why they pay contract employees at a higher rate because they come with no benefits. Full time jobs usually have some kind of benefit which includes maternity leave. I wish you the best in baby planning. Hopefully someone can give you better insights as I’ve never worked contract so not sure. Also since you work contract can you take a unpaid leave if your contract ends before your baby comes and then pick up some work after?
Rising Star
Get a full time job with great maternity leave benefits. Get pregnant 4-6 months after starting work, as maternity leave usually requires 1 year of tenure before eligibility.
Contract employee in the US do have agencies that offer benefits, but you pay for them and they aren’t cheap. Outside the US, I am not sure. I was a consultant when I had my son, and got 6 weeks from the state off unpaid for regular child birth and 8 weeks unpaid if it was a cesarean birth. After I had my child, I took the pay cut and found full time employment with benefits. When you looked on paper after stock options and bonus opportunities, the pay cut wasn’t as bad. Just had to learn to budget better until I got promoted.
As others have mentioned, you need to compare total comp against the hourly rate, not just base comp. Full time jobs come with benefits like health care, paid maternity leave, paid time off, holidays, 401k match or grant, stock grants, bonuses, etc. Those add value for the employee and cost for the employer.
Contract labor also is typically the first to be let go when layoffs happen and has lower overall job security, so generally gets a small premium for that.
What I found when I moved from contract to full time employment was that my take home dropped a little but my total comp increased a little.