Each policy and provider for short-term disability can differ, so you should definitely contact your insurer and discuss with your benefits manager. Some general items we've found with short-term disability policies, is they are only available after sick leave is exhausted, they cover incidents and illnesses that prevent people from working, and generally cover any surgery that is considered medically necessary. Most cosmetic procedures are considered elective surgeries and not medically necessary. However, reconstructive surgeries and medical leave for plastic surgeries to improve function (and not merely appearance) of a body part can be covered, and some weight loss procedures are covered as well. Again, the best thing to do is to speak with your policy provider and the physician performing your surgery to see if it is considered medically necessary.
