Who Should Have Short Term Disability Insurance? 
Any woman who is planning a pregnancy should purchase short term disability insurance prior to conception . Most policies offered by payroll deduction at the work site cover mom 's recovery from normal childbirth . A vaginal delivery qualifies for s six week benefit payment , and c-section delivery qualifies for eight weeks - after meeting the policy elimination period . Half of all women need to leave work prior to delivery because of complications . Plus accidents and illnesses may be covered as well . 