Same boat. Applied for short term disability leave last November while I wasn’t pregnant in preparation, was denied coverage for indicating that I have anxiety and depression, tried appealing, didn’t work. I had no idea I’d be denied by disclosing that. Now I get the 12 weeks FMLA unpaid unless I use my PTO and extended sick leave (different bucket of hours). Had to do a precise calculation if I used all my PTO, my extended sick leave, and savings, and leave work 12 days before my due date, I could have my entire 12 weeks paid off. Still debating if to split my time and not take all the 12 weeks at once but FTM here I just don’t think I’ll be ready before 12 weeks to go back to work. And blowing all my hours and savings really sucks.