re: Part Time Workers and Short Term disability

Not a shot at you, a shot at the situation, and paying taxes has nothing to do with STD. It appears your wife took a part time position with more pay and less benefits, now you see the value of those benefits. But to answer your original question, do one of two things, personally save the money she will not make, or buy a personal individual STD policy from someone like AFLAC, but be pre warned they usually exclude pregnancy benefits until a waiting period is over, otherwise people would just wait till they needed it to buy it and drop it after they used it.