If I'm 4 mos pregnant now & purchase a policy would it cover me if there were complications at 8 mos? 
If you were to purchase a short term disability policy while being four months pregnant , there will almost certainly be an exclusion on your policy that will exclude payment if time is taken off for any reason related to pregnancy or childbirth . If you had long term disability in place when you got pregnant , it should pay for bed rest due to complications during your 8th month of pregnancy . Congratulations and best wishes . 