Who Has The Best Short Term Disability Insurance? 
STD -LRB- short term disability -RRB- plans are normally only offered through an employer . Some employers provide STD coverage at little or no cost to you while others will make coverage available through payroll deduction . Carriers such as AFLAC , Allstate , Colonial and others make STD coverage available in the workplace . In these situations you usually do n't get to pick a plan from a different carrier . 