Working moms... when are you starting your leave?

I work a desk job but it's a long hellish commute into work. I have accrued 200ish hours of PTO with about 50 hours of extended sick time. My supplemental disability kicks in at 14 days, but it only pays 55% of my salary. Just thinking out loud, I'm thinking of taking my maternity leave 2 weeks before my due date and take a leave of 2-3 months. Wondering what March moms are going to do about your leave?