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.
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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.