Freaking out over Short Term Disability

Ugh. So stressed financially now. When I started my current job in September I signed up for short term disability and told them I was currently pregnant. They said I would be able to use it when I have the baby. I called today to to find out what I needed to do when baby comes. They told me that I won't qualify because I have to have to policy for 10 months or can only get it if i am induced or have a c section. I've had an extremely healthy pregnancy so I feel the chances of either are very slim and like I have waisted my money paying for short term disability :( I'm freaking out so much that as much as I have heard being induced make labor a lot harder, I want to be.