Can I Use Short Term Disability Insurance For Maternity Leave? 
Many short term disability policies can be used for maternity leave , but not all . First , the policy has to start prior to conception . Most policies exclude coverage for normal childbirth that occurs within the first nine months of the policy effective date . Second , the policy has to cover recovery from childbirth . Many policies sold directly to individuals exclude this coverage . Policies sold through employer groups , and those paid by employers typically do cover childbirth . 