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.

Select from: (I) However, you can't get this benefit through a work permit. Seek a disability pension plan if you worked at a job that grants you periodic benefits but has a disability.; (II) To find a provider, search for " short-term disability benefits " and your state. You can find a list of providers at the united states consumerfinos website.; (III) Unfortunately, even long-term disability benefits can be awarded through private plans and they aren't free. Consult the benefits expense manager to determine if you need a short-term disability benefit package.; (IV) 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.;. The answer should be
(IV)