You should be able to submit an application directly to them or you can use their website to find out if your workplace or employer is an eligible plan.
About short term disability through the state:
Use of short term disability through the state insurance coverage is required to cover the full term of short term disability coverage. Temporary disability benefits are counted towards the 12 weeks.
-Not subject to pre-existing condition limits.
-Very easy application process, just have a doctor fill out paperwork.
-Social benefits not reduced.
Pros of short term disability through the state:
In short term disability through the state insurance coverage the employee’s deductible applies only when the employee can prove that she was working at the time she applied for short term disability.
-Penalties for taking time off without appropriate leave, including a minimum $200 penalty for not leaving an absence with 60 or more days paid.
Pros of short term disability through the state:
There are different filing methods for short term disability through the state insurance. One is by a request for exemption; client fills out a request for exemption form and sends it to her agent.
Cons of short term disability through the state:
-Not available for long term disability.
-Sick time is not paid.
-Flexible Spending Account for healthcare expenses.
-Annual penalty of $25 for claim.
In short term disability through the state coverage, a good insurance professional will have a variety of knowledge about all types of insurance plans and how to choose the best policy for your needs.