My question involves labor and employment law for the state of: Ohio

I am employed at a smaller company (over 900 employees in several states, home office in Ohio). I am currently 25 weeks pregnant and was put on bedrest at the end of July (July 28th to be exact) due to serious medical issues with the pregnancy.

My question is this: I have been told that if I go past the 3 months of STD and have to go on LTD I have no choice but to get COBRA insurance as I will be dropped off my company provided medical plan (which I pay a portion of the premium of every month). I thought Cobra was for NON-employees, not employees out on medical leave.

Also, I was sent to work from home with the ok of my manager and doctor. After about 2 weeks I was painted to be a "bad employee" and told I had no choice but to go on FMLA because of that. All reviews leading up to this point were gleaming (minor nits) and this came out of left field.

It has been nothing but one phone call after another dropping tons of bombs. My FMLA protection runs out mid/late October and my STD is done November 2.

I need a legal point of view. This all seems so wrong to me but I want to make sure it actually IS wrong and I'm not just taking it so personally since it affects me, my family and my unborn child. I'm not sure my doctor will even release me back to work which will really be bad come November 2 when my LTD (way lower income) and Cobra (eating that way lower income) will have to kick in.

Any thoughts? Advice? Opinions?

Thanks!