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.
I work in HR and this is all correct. I work in one of the few states where you can get short term disability through the state, and you only get 8 weeks for a c-section birth. The additional 4 weeks would be unpaid. 8 weeks is plenty of time for a c-section birth, barring some major complication.