Long term disability pregnancy?

An

Hello,

As open enrollment is coming to end (tomorrow with my employer), I need to make some decisions as I am TTC for the first time. Is it worth it to opt in for long term disability (has out of pocket costs)? I’m not sure what the risks are if complications arise with delivery or post-partum. Asked my ob but she only gave input on during pregnancy risks and is now out of office. What do you all think or have done? Thanks ladies!

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