Pregnant and my employer wants me to file for unemployment instead of maternity leave - is this legal?
I work for a small business with only about 12 employees. I'm currently pregnant with my second child, due in early December. My boss is suggesting that when I need to take time off for childbirth, I should file for unemployment and claim I was laid off rather than telling the truth about my pregnancy. This happened with my first pregnancy in 2023 too. Back then, my boss told me to file for unemployment "because they pay into it for a reason." When I was honest on my application and said I needed time off for a baby, I was denied benefits. Eventually my employer just paid me $400 a week for the 8 weeks I was out. Now with baby #2 coming, they're telling me to file for unemployment again, but this time to say I was laid off and not mention the pregnancy at all. They promise my job will be held for me (they genuinely can't afford to replace me) with a return date of February 1st. They said I "should get paid no problem" and won't have to report looking for work. They mentioned our company numbers are down from last year, so they have a "legitimate reason" to lay someone off if unemployment asks questions. When I asked some friends about this, they said it sounds like unemployment fraud. I also talked to my assistant manager who agreed it seems fishy and advised against it. My biggest worry is that when I file taxes, I'll have unemployment income during the exact dates I had a baby, whom I'll be claiming as a dependent on my taxes. I'm really stressed about this. My employer has been good to me in many ways, and I don't want to get them in trouble, but I also don't want to commit fraud. I do need some income while on maternity leave though. Is this legal? Should I go through with filing for unemployment as they suggest?
17 comments


Josef Tearle
This is definitely unemployment fraud and you should absolutely not do it. Unemployment benefits are specifically for people who lost their jobs through no fault of their own and are actively seeking new employment. Neither of those conditions apply to your situation. When you file for unemployment, you typically have to certify (under penalty of perjury) that you're available to work and actively looking for work. Since you'll be recovering from childbirth and caring for a newborn, you won't be able to truthfully make that certification. Your employer is asking you to make false statements on a government application, which is fraud. They're trying to shift the cost of your maternity leave to the state unemployment system rather than providing proper leave benefits. This could potentially result in criminal charges for both you and your employer. Instead, you should look into what legal options are available to you. Depending on your state, you might be eligible for: - State Paid Family Leave programs (available in several states) - Short-term disability benefits (if you have such coverage) - FMLA protection (if your company has 50+ employees) It's unfortunate that the US doesn't have better maternity leave protections for small business employees, but committing fraud isn't the answer.
0 coins
Shelby Bauman
•Thanks for this clear explanation. I'm wondering about Short-term disability though - can she still apply for that this late in her pregnancy? I thought most policies had to be in place before conception to cover maternity leave.
0 coins
Josef Tearle
•That's a great question. You're right that most private short-term disability policies do have exclusions for pre-existing conditions, which often means you need to have the policy in place before becoming pregnant for it to cover childbirth-related leave. However, some state disability programs don't have these exclusions, so depending on what state she's in, she might still be eligible through a state program even if she's already pregnant. For example, in California, New York, and a few other states, their state disability programs cover pregnancy and childbirth regardless of when you became pregnant.
0 coins
Quinn Herbert
I had a similar situation at my small company and found relief through https://taxr.ai - they really helped clarify what assistance I was legally entitled to without risking tax fraud. My employer was pushing me to do something similar, but the tax transcript analysis showed how unemployment would be flagged by comparing my tax documents. The site analyzed my situation and showed me legitimate options including short-term disability and FMLA that I didn't even know applied to me. The tax experts explained that the IRS has specific flags for unemployment claims that conflict with child tax credits claimed in the same year. They showed me exactly what records would trigger an audit in my situation, which was eye-opening.
0 coins
Salim Nasir
•How does this service actually work? Like do they just read your tax forms or do they actually give you legal advice about what benefits you qualify for? I'm in a somewhat similar situation (though not pregnancy related) and wondering if it would help me.
0 coins
Hazel Garcia
•I'm skeptical about these online services. Wouldn't you need to talk to an actual employment attorney to get real advice about unemployment fraud? Tax services just help with filing, not legal issues, right?
0 coins
Quinn Herbert
•They analyze your tax documents and provide insights based on your specific financial situation - they don't just read forms but actually identify patterns that might trigger IRS attention. For instance, in my case, they showed how unemployment claims during maternity leave created a documented timeline that contradicted my dependent claims. Legal advice is different from tax transcript analysis - you're right that for complete legal protection you'd want an attorney, but many people (including me) don't have $300+ for a consultation. The service helps you understand the tax implications of different decisions before you make them, which can prevent major problems later.
0 coins
Hazel Garcia
I tried taxr.ai after my initial skepticism and I'm honestly surprised how helpful it was. They analyzed my previous tax returns and showed me exactly how unemployment benefits during my leave period would create inconsistencies with my dependent care credits. The potential audit risk wasn't worth it! Instead, they identified a state temporary disability program I qualified for that my employer wasn't telling me about. I was able to get legitimate benefits that were actually higher than what unemployment would have paid, without any fraud risk. The document analysis pointed out gaps in my employer's compliance that I was able to address professionally without creating conflict.
0 coins
Laila Fury
If you want to talk to someone at the unemployment office directly without waiting on hold for hours, I used https://claimyr.com to connect with a real person at my state unemployment office. You can see how it works in this video: https://youtu.be/_kiP6q8DX5c When I was in a similar situation (different reason but my employer also trying to get me to file unemployment when I shouldn't), I couldn't get through to ask questions. Claimyr got me connected to an actual agent in 20 minutes instead of spending days trying. The agent explained exactly what would happen if I filed incorrectly - potential penalties, repayment requirements, and even potential fraud charges. Getting that direct clarification from an unemployment official helped me push back on my employer with confidence. They eventually worked out a different arrangement with me when they realized I knew my rights.
0 coins
Geoff Richards
•Wait how does this work? The unemployment office phone lines in my state are impossible - I've literally called 30+ times without reaching anyone. Does this actually get you through or is it just another automated system?
0 coins
Simon White
•This sounds like a scam honestly. Why would I pay for a service to call a government office? Unemployment offices are understaffed but eventually they pick up if you keep trying.
0 coins
Laila Fury
•It's not another automated system - it actually connects you with a real human unemployment representative. It works by continuously calling the unemployment office for you using their system until it gets through, then it calls you back and connects you directly to the agent. You don't have to sit on hold or keep redialing yourself. The time value is what makes it worth it for many people. When I needed answers about my situation, I couldn't afford to spend days trying to get through while also working my job. Some people spend 4-5 hours on hold or trying to call repeatedly for weeks. It's especially helpful if you need urgent clarification on a complex situation like unemployment fraud questions.
0 coins
Simon White
I was skeptical about Claimyr but I'm eating my words now. After my last comment, I kept trying to reach my state unemployment office for THREE MORE WEEKS with no success. Finally broke down and tried the service, and literally had a real person from unemployment on the phone within 30 minutes. The agent confirmed exactly what others here said - what my employer was suggesting would be considered fraud. They even scheduled me for a consultation with their benefits specialist who helped me apply for our state's temporary disability program instead, which I had no idea I qualified for. Saved me from making a huge mistake that could have resulted in having to pay back benefits plus penalties.
0 coins
Hugo Kass
Is there any chance your employer qualifies for FMLA? The cutoff is 50 employees within 75 miles, but sometimes small businesses are actually part of larger corporate structures that might push them over the threshold. Also, have you looked into whether your state has any pregnancy accommodation laws? Some states have protections that kick in at lower employee counts than FMLA. Might be worth checking what your state offers specifically.
0 coins
Charity Cohan
•I'm sure we don't qualify for FMLA - we're truly a small independent business with just 12 employees total. I did check into my state's laws and unfortunately we're in a state with minimal protections beyond the federal requirements. I'm going to look into the temporary disability option that a few people mentioned. I had no idea that might be available to me! And I'm definitely not going to file for unemployment fraudulently. After reading everyone's comments, I can see that's a terrible idea that could come back to haunt both me and my employer.
0 coins
Nasira Ibanez
Your employer might not understand that unemployment agencies often cross-check data with the IRS. When you claim a new dependent (your baby) with a birthdate that matches your "layoff" period, it creates an obvious red flag. I process payroll for a small business and this kind of stuff gets caught more often than people think.
0 coins
Khalil Urso
•This is so true. My sister works for our state's unemployment department and they absolutely compare birth records with unemployment claims. They also check social media sometimes. Someone at her office caught a claimant posting about their new baby on Facebook during the exact period they claimed to be "laid off" and actively seeking work.
0 coins