Does anyone buy short term disability? Not talking about getting hurt on the job, but off the job is a bigger concern. We can get long term disability that kicks in after 26 weeks, but there isn't really anything for that first 26 weeks. I think comp pays around $450 a week if you're hurt away from the job, but it would be hard to keep head above water on that. Just curious if any of you have a policy, how much it costs, and have they paid?