Certificates
Review this document for a complete overview of benefits
State Forms
Forms that provide additional information
What is Group Short Term Disability Income Coverage?
Group Short Term Disability Income Coverage provides you with benefits to replace part of your paycheck when you can’t work because of a sickness or injury. You may need to meet certain conditions to be eligible for benefits, such as completing a waiting period. During the waiting period, you may be able to use your vacation or sick time if offered. Generally, Short Term Disability benefits are paid for a few weeks to a few months.
How can Short Term Disability benefits be used?
When your claim is approved, you will receive weekly benefits to replace part of your income based on your coverage level. You may use this money however you would like. Below are a few examples of how your Short Term Disability benefits could be used, depending on how much coverage you have:
Tara slipped and fell, causing her to strain her back, which left her unable to do her job. Fortunately, Tara had purchased Short Term Disability Income Coverage through her employer, which provided her with benefits to replace 60% of her regular pay while she was unable to work. This helped reduce the potential financial strain Tara would have faced without this coverage. Seven weeks later, Tara’s back had healed, and she was able to return to work.
Monthly expenses:
Car payment | $600 | ||
Mortgage/monthly rent | $1,500 | ||
Everyday expenses | + | $500 | |
Total monthly expenses | $2,600 | ||
Monthly short term disability benefit (60% of normal income of $4,200) | $2,520 | ||
Monthly benefit paid | $2,520 |
This is shown for illustrative purposes only. Actual results may vary. A complete description of coverage will be provided in the plan documents.