Where Can I Buy Short Term Disability Insurance? 
You can buy short term disability through your employer , or purchase a policy directly as an individual . In general policies purchased at work provider better benefits , at lower premium costs , and are easier to qualify for medically . Insurers have the opportunity to pool risks with your co-workers . Not every employer offers employees an option . You should ask your employer to make a voluntary option available for all employees , or purchase an individual policy directly . 