This does not make sense. A group medical policy covers employees (and their dependents, if available and elected) and the employee must submit the claim to the insurance company for reimbursement (unless it's an HMO).

"They" who pays for the treatment? The employer or the insurance company upon request for reimbursement from the employee?

A short-term disability policy pays lost WAGES; it does NOT pay for medical treatment.

(pulling teeth here )