Can You Buy Individual Short Term Disability Insurance? 
YES , you can Buy Individual Short-Term Disability Insurance . Short-term meaning immediate upon being disabled up to 12 months . After 12 months , you can have a Long-Term Disability plan kick in . When you look at these plans , be sure to look at the definitions of disability , partial disability , cost of living adjustments and retroactive coverage for the long-term disability . These should be a part of most policies which take care of all the `` gray '' areas of coverage . For more information , do not hesitate to ask . 