What are my chances of collecting STD after surgery?

My company does offer short term disabiliy benefits. The company pays premiums after one year of full time service, but employees can opt to pay premiums for the first year. I have chosen to do so. However my question is: how likely is it that the insurance company will approve the 4-6 weeks my surgeon has told me I will need to take off from work? Do insurance companies often just refuse to cover re-coop time after WLS? My health insurance will pay for my surgery, but it is not through my work, it is from my husbands work. Also, if I contact HR with this question, can they just use the advance notice to "get their ducks in a row" to have a plausible reason to deny coverage? Coleen L.

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