Maternity leave is covered by short term disability insurance. The more common type of disability insurance to purchase is long term disability, because it is more available and competitively priced. Short term disability insurance is usually provided by employers. Long term disability insurance only covers complications of pregnancy or childbirth that would create the need for an extended time away from work, not normal pregnancy and childbirth.
The answer to your question depends upon three key factors. Many disability policies cover maternity leave, but many more do not.
First, the policy has to cover normal childbirth. Policies sold through work site groups generally cover childbirth, while those sold directly do not. Second, you have to start the policy prior to conception rather than after. Third, the policy elimination period has to be very short. The standard benefit period for a normal delivery is six weeks, or eight weeks for C-section. If your elimination period is longer than two months, then no benefits are paid.
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First, the policy has to cover normal childbirth. Policies sold through work site groups generally cover childbirth, while those sold directly do not. Second, you have to start the policy prior to conception rather than after. Third, the policy elimination period has to be very short. The standard benefit period for a normal delivery is six weeks, or eight weeks for C-section. If your elimination period is longer than two months, then no benefits are paid.