Very good read. Before I moved to life insurance I used to work for Aflac. The incredible lack of understanding of how healthcare works caused me to switch in under 7 months.
In States like Pennsylvania that do not have state sponsored Short term Disability you can buy your own private insurance. A private employer that allows their employees access to these plans would save on payroll taxes for every employee that enrolls and pays their premium pre-tax the company would also pay less in payroll taxes as they match 1-1 the employees dollars.
You could explain till you turned blue the cost savings and the stats showing employees with disibality return to work faster than those without. Employers paid zero % of the premium unlike health insurance where they pay 80% and the employee 20%.
There's nothing to loose yet employer after employer would tell me, disability allows employees to get hurt and miss more time, or that it's just another form of welfare. Smh...