Anyone had who has Short Term Disability insurance have any hassles with the insurance company in regards to how long they would approve of time off(within policy limits of course)? I had a TLKR a year ago(without the short term coverage) and have since changed jobs that has the coverage. I am thinking of having my other knee done in about 6 months and would like any advice in how to handle the claim. When I had my left knee done I was off of my sedentary desk job for 6 weeks and then returned 1/2 time for 2 weeks. If I were to do it over again I don't think I would have returned before 7 to 8 weeks. Those half days were tough. I understand that if a worker returns part time then they will lose benefits as most short term disability only covers total disability. ???