What Is Supplemental Short Term Disability Insurance? 
In the context that I believe you are using the term `` supplemental '' that would be a short term disability policy offered as a voluntary -LRB- employee paid -RRB- benefit at your place of employment . there are a variety of insurance carriers who offer such products with AFLAC , Colonial Life and Allstate being just a few examples . These products are generally offered at the workplace and are paid for via payroll deduction with your employer remitting the monthly premium to the insurance carrier . Unlike many supplemental/worksite/voluntary employee benefits such as critical illness plans , cancer and accident policies , I would not recommend that you have a disability insurance policy 's premium taken out of your paycheck on a pre-tax basis as this could have tax implications in the event you ended up receiving benefits from the policy . 