Should you buy short-term disability insurance through work or purchase a policy privately outside of your employer?
This is one of the most important questions, with an unexpected answer for many people.
The work-based policies are much better – especially for women seeking income protection during her maternity leave after a normal childbirth experience.
However, many employees do not have the option available at their job. You can ask your employer to offer a voluntary program, or seek plans with lesser benefits outside of work.