If you are just sick a day here and a day there, then you use your sick days and/or vacation days as needed. If you will be out for an extended period of time, like a month or two for surgery, then that's when your short term disability takes over at whatever rate of pay that your company provides for this. There is usually a 1 week waiting period for the pay to kick in, but you can use any sick days or vacation days that you still have for this week so that you aren't without a paycheck during that waiting period.
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