Thanks for the help!
For anyone else struggling with this issue, the key point was to select that we only received this money in 2024. Because her maternity leave straddled 2023-2024, we did actually receive it in both 2023 and 2024, but selecting that option made TurboTax treat it like a business instead of a benefit. When we took 2023 out, we were allowed to go onto the question about whether there was an intent to earn money.
