I went through this last year with the birth of our second son. My wife was making sure that everything would be taking care for talking to HR multiple times and they all saying she would be fine. Come time for her to take time off we were presented with a whole other story. First she would't get all the weeks off because she went into labor a week early then expected and to top that she wouldn't be getting paid over the summer (She worked as a school RN at this time). So we were out 5 months of income. Luckily I gotten into a bad habit of placing all the money I will need for my taxes at years end into my account and just not touching it. Well that bad habit saved us for sure, but now the taxes are a pain in the ass. I guess that's life.