Anonymous wrote:I just went to the Aflac website, where it says short term disability insurance is available through worksite payroll deduction only.

WHERE IS EVERYONE BUYING PRIVATE SHORT TERM OR LONG TERM DISABILITY INSURANCE?

I bought FedAdvantage and had a claim when they were with MetLife - went very well. They go through The Standard now, offer less benefits, and require you to exhaust leave. It's basically a supplement to get you to fed disability retirement as the LTD policy is designed to kick you off after 2 years.

OP, if you need STD and have none at the moment, isn't it too late? They might give you a policy if you apply now, but it will have riders galore.