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Certainly depends on the specific coverage your speaking of (and some private coverages may cover short periods of unemployment after certain qualifying periods of working in a field), but one basic premise of disability insurance is the disability is keeping you from doing a job that you would be earning an income from.
Generally you can't collect unemployment while disabled because you have to be ready, willing AND able to go to work immediately for full time. Disability makes that impossible, in most cases. If the time frame and every thing else applies, you might after the disability ends.
You cannot collect unemployment while you collect wages, so if you are paid while on maternity leave, you probably cannot collect unemployment. You should contact the nearest office of the Colorado Department of Labor to know for certain. You can probably google "Colorado Department of Labor" and send them an email to ask. If you can collect unemployment you'll have to contact that office anyway, to get the paperwork.
Unemployment insurance replaces your income if you lose your job.Short term disability insurance protects your income if you become disabled, and are physically unable to work.The two are mutually exclusive, unless your employer lays you off during your disability.
Unemployment insurance is for people who lose their jobs. Disability insurance is for people who can't work due to a medical reason.Your best bet is to apply for short term disability insurance before getting pregnant. Your normal maternity leave will be a covered benefit.
Because the disability and lack of available work were no fault of your own should be no reason you would not be eligible for unemployment, on those issues.
The criteria you set out would seem to qualify you. However, each state sets its own criteria for eligibility and, in most cases, you could not receive both short term disability and unemployment simultaneously.
Check your policy for language about disability while unemployed. Many will require that you be unable to perform two or more activities of daily living.
In most cases you cannot collect unemployment after maternity leave. If your maternity leave is over, your doctor has determined that you can go back to work. Unemployment is intended for those who are laid off from work.
An independent insurance agent expert in disability insurance can help with short-term disability or long-term disability.Look for a disabilitycenter on Google.
No unemployment for students (at least in Michigan) If I said no unemployment for full time students, that should cover all states. As far as disability, yes, you can get disability if you have short term disability insurance. Since this is just for knee surgery, no point in saying how you could get long term disability as you will be fine before that becomes a issue.
Missouri does not have a mandated short term disability program. Your best bet is to apply preconception for individual short term disability insurance. Your maternity leave will be a covered benefit.