For those with 12 weeks (or less) of maternity leave

Obviously this question can go for anyone but it seems most applicable to working moms in the US.. my original plan was to work until my baby arrives. I’m a little over 37 weeks now and now I am thinking of stopping about three days before my due date. Family has expressed concern that this will eat into any of my paid time while on maternity leave. I guess I’m just wondering if most people are working till the end to maximize their time once the baby is here or if you have stopped earlier?