Prior to the emergence of Capability Management, the dominant theory explaining the existence and competitive position of firms, based on Ricardian economics, was the Resource-based view of the firm (RBVF).
No. Women here are not legally allowed to return to work until at least two weeks after birth, according to Mary Newburn, head of policy at the National Childbirth Trust. This is to protect their health.
Disability will not pay for any more time off work than that for pregnancy. After that, many employers let you stay off for the full 3 months for maternity leave but the disability cuts off after 6 or 8 weeks, depending on how you delivered. That's not just how Aflac does it, that's how all disability works.