Can An Individual Buy Short Term Disability Insurance? 
Individuals can buy short term disability at work or through a local agent . Many work site based carriers sell individual policies paid for via payroll deduction . You can only get them at work , but they are fully portable if you separate from your employer . Individual work site policies are most in demand as they do cover normal childbirth . You can also purchase an individual policy by contacting a local agent and making direct payments to the insurer . The underwriting criteria are more strict , and the policies do not cover normal childbirth . 