Who Has Short Term Disability Insurance? 
There are three types of people who have short term disability insurance : those whose employers pay the premium , those working in states with mandated coverage , and those opting to buy the policy themselves . Unfortunately , many people assume they fit into one of the first two categories . Most employers do not pay the premiums for employees . Only five states have mandatory short term disability . Policies need to be purchased prior to becoming disabled , so these are dangerous assumptions . 