My short-term disability insurance does not count anything to do with maternity as a reason for paid leave. I would double check all the exclusions to be sure that you’re covered. Most insurance policies would be astronomically expensive if they covered your full wages. I’m covered about 60% as well.
Short-term disability insurance coverage for maternity leave
NYS short-term disability benefits certainly help if mom misses work prior to delivery in order to take pregnancy bed rest because of a medical complication. Your doctor or certified midwife must submit medical reports with your maternity claim form if you stop working more than four weeks prior to delivery.
Short Term Disability for Maternity Leave
Family leave laws (also known as maternity or paternity leave laws) allow employees to take time off from work to care for a new child. Under federal law, employers are required to provide only unpaid leave to their workers. However, some states have closed this gap and now have laws granting employees paid short-term disability benefits or paid leave for pregnancy-related conditions. A few states also offer paid leave benefits for parenting. If you live in one of these states, you may use the most generous pregnancy benefits given under either state or federal law.
Applying for Short Term Disability for Maternity 2016 - Engility