Not returning to work?

Hi ladies,

I have insurance through my work which I want to use to cover my delivery. However I'm not certain I want to return to work after I have my baby.

My work offers maternity leave through short term disability insurance.

What can I do?

Can I contact them 2 weeks after delivery and resign? Will I have to pay anything back?

HR person at my company wouldn't give me a clear answer and that person is on the side of the owners not employees so I do not want to keep pressuring with my question. TIA