Unpaid Leave Cost Calculator
Calculate the total financial impact of taking unpaid family leave (FMLA), sabbatical, or medical leave: lost wages, health premium continuations, and lost 401(k) matches.
FMLA / Unpaid Sabbatical Parameters
Total Financial Cost
$14,034
$1,754 / week of leave
Lost Gross Wages
$12,000
8 weeks unpaid
Health Insurance Outlay
$1,572
Premium continuation
Forfeited 401(k) Match
$462
Unearned employer match
Step-by-Step Worked Example
Calculation Steps:
How to Use This Calculator
- 1Enter your gross annual salary.
- 2Specify the number of unpaid leave weeks planned.
- 3Enter employee and employer monthly health insurance premium amounts.
- 4Select whether your employer requires you to pay the employer share of healthcare while on leave.
- 5Enter your annual employer 401(k) matching amount.
- 6Review total lost compensation, weekly cost, and daily income sacrifice.
Assumptions & Limitations
- Estimates are based on standard national averages and current prevailing construction materials and contractor rates.
- Actual trade bids may fluctuate according to local building code requirements, permit fees, and site topography.
- Always obtain multiple written bids from licensed, bonded, and insured contractors before commencing work.
Frequently Asked Questions
Does the Family and Medical Leave Act (FMLA) provide paid leave?
No. Federal FMLA provides up to 12 weeks of job-protected, unpaid leave for qualifying family and medical reasons. However, some states (like California, New York, Washington, and Massachusetts) offer state-mandated paid family leave programs funded by payroll taxes.
Can employers cancel health insurance while an employee is on unpaid leave?
Under FMLA, employers are legally required to maintain existing group health insurance coverage under the same conditions as if the employee continued working, though employees must continue paying their regular share of premiums.
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