Most people assume that they'll get time-off from work when they have a baby. What they don't know is that paid time-off isn't guaranteed. And rules for paid-time off might be different if you're adopting.

"...many young parents don't realize that any pay received during maternity leave often is funded through short-term disability insurance. Fail to sign up for the insurance... and you'll miss out on the benefit..."

If you're considering adoption, or if you've begun the adoption process, talk to your human resources department and find out your company's policy on maternity leave. Be sure to ask if the policy differs for adoptions.

Read more from the Orlando Sentinel.