Write the next sentence in the following story.

How to apply for short term disability benefits
Identify a provider.
You may be able to get short-term disability benefits through your employer or union, who insure the private plan. If so, then the premiums can be deducted from your paycheck.
If your employer or union does not offer short-term disability benefits, then you can purchase short-term disability on the marketplace. To find a private plan that works for you, search the internet for " short-term disability private insurer.