When my wife became pregnant with our second child, she chose to continue working until her sixth month. We had no additional disability insurance coverage at the time. Her doctor noticed a few abnormalities about the baby's development, so he strongly urged her to go on bed rest. That's when we talked to an insurance agent and bought short term disability insurance. She felt much better about taking off work, since she knew she wasn't going to hurt the family finances while she was temporarily unemployed.