milktea: it actually depends on how much leave u have balance...and also see how is the arrangement for taking care of baby?
for myself, i work till the day i am going to be admitted, reason i dont wanna waste my maternity leave, if i am not well or what, i might as well take my MC.
for me, i one shot take all my maternity leave, as i have 21 days of leave each year, + the ccl, if i dont anyhow use, its sufficient for the occassionally urgent leave cos bb is sick.
erm...my 2010 leave of 21 days still untouched, so will bring forward to next year.
but of cos, some mummies prefer to take 3 months, then leave 1 month (or i should say weeks, cos actually Maternity leave count by weeks)
but it also depends on company policy, like only certain days can take as ML...whereas some is flexible...
so check with your HR? and also your own preference...