u/Separate-Fly-4271

I’m 23, my husband is 26. We got married 6 months ago. I am 10 weeks pregnant. Got pregnant 4.5 months after getting married. My parents (mostly my mom) have expressed multiple times in the form of comments to other people that she isn’t hoping to be a grandparents anytime soon or not ready or too young to be a grandparents. I’m not sure how they will react when we tell them. I’m scared. I want it to be a happy moment, but truthfully not sure how it will go. Any ideas on how to announce in a more chill way so she has a minute to process? I was thinking a card that says “we really need our parents, because we’re going to be parents!” then gifting that to them with a pregnancy test Labor Day weekend (I’ll be 13 weeks. And this is month before their anniversary) and say it’s an early anniversary gift! But I’m not getting our NIPT/genetic testing done til the 26th, so I would really like to know if we’re low risk or not before announcing.

My dad will be ecstatic I think so not too worried about him! My in laws will be ecstatic!! They always talk about grandkids and they want to be grandparents so badly. My mother in law sends me and her daughter (my SIL) TikTok’s about babies, etc! No clue how to announce to them either. Would really prefer to do my MIL, FIL, SIL & BIL all at once. Any ideas?!?! I don’t really like doing a gift cuz I feel like that’s obvious then. I don’t want to do the picture and be like “okay everyone say Sara’s pregnant!” Give me all your unique ideas!!! But specifically if your mom has ever been a tougher person to announce to I would really appreciate the input!

I know this is a very niche question.

I’m in Michigan but work in Indiana and I’m already pregnant (due around March 2027). My employer does not offer paid maternity leave or short-term disability.

I’m not looking for opinions on whether standard short-term disability usually excludes pregnancy—I already understand that.

My question is:

Does anyone know of ANY individual insurance product in the U.S. (short-term disability, salary continuation, indemnity, income protection, etc.) that can still provide income benefits for an existing pregnancy? We JUST got married. This was not planned and if we were planning to get pregnant I would’ve got short term disability insurance.

I’m specifically interested in products with unusual underwriting, guaranteed issue, simplified issue, or policy language that doesn’t automatically exclude an existing pregnancy.

I’m looking for actual carrier names or policy names, not general advice. If you know of a broker or carrier that might be worth calling, I’d really appreciate it.