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 risk of passing it on to your baby drops to between 10 per cent and 20 per cent from 11 weeks to 16 weeks of pregnancy (NHS 2015h). CRS can cause babies to be born with deafness, blindness, heart problems, or brain damage (NHS 2009e). Rubella is very rare in the UK now, with only a handful of cases a year of CRS.