The best way to find out is to file a claim with your carrier.
Most short term disability policies will pay a benefit for normal delivery. Some will seek confirmation from your employer that you are not working and/or not earning an income. Others do not, they just need a note from your doctor indicating that you are unable to work.
Bad answer. STD policies do not pay unless you are incapacitated from working. You could be on maternity leave (if your employer offers it) without being incapacitated, and therefor ineligible for SDT or FMLA (which also requires complete incapacity).
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