Can short-term disability benefits be reduced by state disability or paid-leave payments?

They can be. MetLife says payments from a short-term disability policy may be offset by state-mandated disability or paid medical leave benefits, which can reduce the policy payment. The plan document sets the exact coordination rule.

Does short-term disability cover pregnancy or mental-health conditions?

It may, depending on the policy. MetLife and Principal list pregnancy, childbirth and mental-health conditions among examples that may qualify. State Farm’s disclosed policy forms show how terms can differ: they exclude normal pregnancy and childbirth but cover physician-diagnosed pregnancy complications as sickness.