Handling Short Term Disability


Disability is state in which the individual is physically and/or mentally impaired such that he is not able to pursuit normal life. Any disability can be partial or total, temporary or permanent, as the case may be.

Any injury due to accident or illness, which keeps an individual away from his normal life routine for some weeks or months, falls under short-term disability. The short term disability insurance pays a calculated amount of salary, until the person does not work for a short stretch of time due to bad health or injury.

A typical short term disability policy provides with a portion of base salary, usually half or two third percent, for 12 to 26 weeks. This coverage usually starts paying off from one to 14 days of disability.

There are many companies offering short term disability insurance programs. Enrolling in any of the short term disability plan will be an invaluable resource as the ‘disabled’ person recuperate and gets back to work. Short term disability coverage can be taken under individual insurance plan or the group insurance plan provided by the employer, professional or associate group.

Individual policies are generally available, if the insured have not undergone medical treatment for an imminent disabling medical stipulation, during the past 10 years. In case of any medical treatment, proper prescriptions of medications and physician consultations have to be included.

The group insurance plan is generally offered to the employee after a definite time period, known as waiting period, which then allows the insured to avail benefits. The short term disability insurance is beneficial for employers too, as it allows them to complement the sick leave or legal disability remuneration programs. This helps to curtain the extra expenses of the employer, as they do not have to pay salaries while employees recover.