Maternity leave, I'm so upset :(

Not only was I denied Short term disability in November when I went to add it to my medical and dental insurance because of pre existing condition (pregnancy) , I just found out I can not use my sick time in conjunction with my vacation time to put towards me being out on Maternity leave. I was only going to take off 4 weeks and with my PTO, sick time, and Vacation time it would put me at 93 hours so I would just not be paid for a week, cool, I can live with that. Well now that I can't use my sick time I will only have 73 hours to use and any unpaid time I'm off for extended beyond that I have to pay my side of my insurance, dental, vision, and life insurance via check to my HR department, 253/month. I'm so upset I'm literally crying. I went back to work when my last baby was 3 weeks old and it was horrible and so hard on me, now I'll have to go back when this one is 2-3 weeks old. I just can't believe this ='(