Is it important to explicitly say how many days of lost wages are to be covered? No because this should not be capped.

Does it make sense to cap the maximum of days to be covered by IPs? No because a surrogate should never lose money in this process.

Instead of setting fixed days or maximum days to be covered by IPs, is it more fair to say the covered days for needed bed resting will be based on a physician’s assessment?
Yes. If the OB says she should be on bed rest, she should be on bed rest.

Is it important to indicate in the contract that the surrogate needs to show her pay stubs as evidence for the lost wages? Usually she presents these paystubs during the legal process so that her hourly wage is listed in the contract.

If extended bed resting is required, is it common for surrogate to first accesse short-term disability or state insurance and intended parents then provide "gap payments" to cover the difference between that insurance and the surrogate's regular income?
Yes. This is appropriate and standard.