Does anyone regret taking the permitted 4 weeks disability leave prior to their due date?

I didn't take any time off before my due date with my first. However, this second pregnancy is kicking my behind. I'm exhausted all the time and barely functioning by the end of the day.....and I'm only 6 months along. Strongly considering taking 4 weeks off before hand but feel guilty about our family loosing money while I do.......nothing at home.