Can You Purchase Short Term Disability Insurance On Your Own? 
Yes you can purchase short term disability on your own . There are several companies that market individual policies directly to consumers . However , these policies are limited compared to policies you can purchase at work through your employer . The underwriting criteria are often more strict . You have to be in very good health in order to qualify . Rates are often higher also . Direct purchase policies do not cover recovery from normal childbirth , while those sold through groups typically do . 