Do you know what short term disability insurance is all about? What I found out was that short term DI is actually sick leave. I believe most government agencies have sick leave, while many private firms may not have it. They pretty much combine sick leave into vacation time. Sick leave is quite useful. If you are sick for some reason, you can call in and tell you’re boss that you’re not going to work…and get paid. Click here to check out this site about short term DI.