I am a Fed employee and I had to take unpaid leave last year after having a C-section. There is no paid maternity leave for Fed employees. The Fed also does not offer it's employees short term disability insurance for these types of things. But here's the real shocker: we are not allowed to buy short term disability from other providers. Companies like AFLAC are not allowed to sell short term disability policies to Fed employees. I am considering leaving the Gov't after 5 years of faithful service so that I can work for a company that will allow me paid maternity leave or disability insurance that will cover my mortgage while I can't work. These policies are not the way the Gov't is going to attract good employees or keep the ones they have.