Does Disability Insurance Pay For Maternity Leave? 
Groups short term disability insurance , or `` sick leave '' does usually pay for maternity leave . You need to obtain the coverage at least a year before becoming pregnant in order for the group policy to cover your time off before and after having your baby . Private Disability Insurance does not pay for maternity leave unless there are complications with the pregnancy or childbirth , upon which the long term disability coverage would kick in after the policy 's elimination period is met . 