Pregnancy disability insurance helps to ensure that you don't lose money while you are pregnant or out having a baby. Even if you have paid maternity leave, you can use pregnancy disability insurance to supplement the leave or fill in the coverage gaps. Most pregnancy disability policies will offer 60 to 70 percent of your normal income during the final month of pregnancy until the fifth or sixth week after birth. You may be able to get an extension with a physician's certification of a medical condition. To be eligible for pregnancy disability insurance you typically must enroll prior to getting pregnant.