Check your employer’s short-term disability policy and pregnancy-related coverage rules
Confirm the waiting period, benefit amount, and required documentation
Ask your OB-GYN what pregnancy complications or work restrictions may qualify
Get written medical evidence of your condition and inability to work
Request a doctor’s note stating your diagnosis, restrictions, and expected duration
File the claim as soon as you meet the policy’s eligibility requirements
Submit all forms completely and accurately
Include prenatal records, test results, and any specialist notes if relevant
Keep copies of every document and communication
Follow up regularly with the insurer or HR department
Respond quickly to any requests for additional information
Make sure your employer confirms your job duties and last day worked
If your pregnancy involves complications, document symptoms and treatment clearly
Ask your doctor to describe how your condition limits your ability to perform your job
Avoid gaps, inconsistencies, or missing dates in your claim
Appeal promptly if your claim is denied
Consider getting help from HR, a benefits specialist, or an attorney if needed