Advice! Leaving my job!

Hi all!

My maternity leave is up as of July 24th next week. My employer is expecting me to come back but me and my husband have decided I am not ready and might not return to work.

I got 6 weeks through them and 10 weeks through the state, I am seeing them this week but I am so nervous on what to tell them. My job is very demanding and does require me to be in office mostly. Any advice from ladies who decided not to go back and what you told your employee and how did they handle it?