Pregnancy is not considered a disability, but complications arising from pregnancy may allow you to go on short-term disability benefits. It will all come down to what your insurance carrier allows under the policy. For example, being ordered by your doctor onto bed rest may or may not be covered. If you are pregnant or planning to be, contact your group plan sponsor or your agent/carrier/broker and together, go over the details so you know exactly what to expect from your coverage should your pregnancy have unfortunate complications.