I didn't have any issues with short term disability leave. My employer, a large national bank, covers the leave. So, it just amounted to me letting my boss know, she put my leave in the system early so I would get the paper work before I left, I had it signed by my surgeon at my first follow-up, asked her for a full 8 weeks, and it was done. It really all depends on what the company decides they want covered. The larger the company, the more likely they self insure, even for STD, and the more they just pick and choose what they want in their policies. As long as it is a covered surgery selected by the company, the insurer doesn't matter much.