Bacteria, viruses, and parasites can cause a wide variety of illnesses, and can infect any of the organs of the body. Viruses are often responsible for respiratory illnesses (such as the common cold) and digestive illnesses (such as diarrhea).
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.
The illness or injury must be non-work related. Benefits last no more than 26-30 weeks (52 weeks in California). The weekly benefit is approximately 60% of your wages. Pregnant women can receive short-term disability for several weeks for delivery and recovery. You will need to submit medical records or go to a medical exam to prove your disability.