Is Pregnancy Covered By Short Term Disability Insurance? 
Not all policies are created equal . Some short term disability policies will pay for your recovery for normal childbirth , and others wo n't . Most will cover lost income due to complications of pregnancy prior to delivery , or any postpartum disorders that delay your return to work . Policies sold directly to individuals do not cover normal childbirth . Only policies sold through groups do so . You can purchase individual coverage through a payroll deduction and pay the premium 100 % yourself . If your employer does not offer a voluntary option , you can ask them to make one available . Or you can purchase a policy direct , but it wo n't cover your maternity leave . 