another Short Term Disability question

So i'm currently an independent contractor at my job.  I get my health insurance covered through my fiance's work.  Unfortunately that means I don't have short term disability.  I'm looking to have my surgery the beginning of December and I'm dreading not getting any pay check during the time I'm out.  I looked into getting Aflac, but I'm not sure what the waiting period is and what type of insurance I need through them.  Does anyone else have any other suggestions on possible ways to get STD?

Does the state you're living in have a state disability program? If so, if you're going to be off for a month/6 weeks you should qualify for State Disability.

I'll look into it thanks.  But 4-6 weeks?! I was told a week to 2 weeks from the surgical team! Wow...now I'm worried about this. 

That depends on what you do at work...If you're at a desk all day and can take reasonable breaks to walk around, hydrate as necessary or even rest if you need then you can probably go back at 1-2 weeks if you have no complications and are managing your pain well. But if you have to lift for your job (you can't lift over 5+ lbs. until at least 4-6 weeks typically), be on your feet for long periods of time, etc. 4-6 weeks is more reasonable.

I was out one week, I could have returned sooner. Most people at my local support group were out one week.