How Does Disability Insurance Work For Pregnancy? 
Only group Short Term Disability Insurance pays time taken off for a normal pregnancy . When you start a job that offers Short Term Disability , or choose to purchase such a plan from a place where you have worked for a long time , you will want to make sure that you do not become pregnant for at least a year after obtaining the policy in order to collect the benefit . If there are complications from the pregnancy , childbirth , or recovery , private or group Long or Short Term plans will pay after the elimination period is satisfied . 