Had to have neurosurgery on my spine short term disability refused to cover the 1st month i was out saying not enough information? My doctor's note showed i couldn't dress or bathe myself. Eight weeks out of work covered half of that and ended up returning a month earlier that my doctor's wanted me to. Tried calling and at 1st response was OK until the saw I wasn't giving up on the 1st 4 weeks then wouldn't answer or call me back. Originally had me down as able to work the day of my surgery until I asked how the heck could I work a 12 hour shift make a 4 hour drive and be at the hospital checked in by 10am. If this is the company you have to work with for your short term disability then you have my sympathy and hope you have money saved up your going to need it