Short-term disability is meant to cover your salary — or a portion of it — during the time that you're unable to do your job due to illness, injury, or childbirth. Short duration disabilities are more common than long term disabilities and are costly to employers both in lost productivity and actual expenses, especially if an employer currently has a salary continuance plan for short-term absences.
Short Term Disability Frequently Asked Questions (F.A.Q.)
Q. Will our Worker's Compensation policy cover short term disability claims?
A. No, Workers Compensation only covers injuries sustained while at work.
Q. Do all short term disability plans cover pregnancy?
A. Yes, pregnancy is covered as any other disability.
Q. How many short term disabilities occur?
A. 62% of all disabilities occur off the job
Q. How do you obtain short term disability coverage?
A. Short term disability coverage can be obtained either through a group or individually. Group coverage can be offered by an employer. Individual coverage is also available and subject to medical underwriting.
