About Short-Term Disability Application

Short term disability is ideal for individuals who are going to be out of work for less than a year due to an accident, illness, or other disability. Most short term disability programs will cover a maximum of 26 weeks depending on the actual program. Applying for it as soon as you know you'll be out of work will be most beneficial.

Short term disability is for people that will be out of work for a short period of time. You can go on short term disability for 12 to 26 weeks. The application process can be a long and drawn out process so it is best to know what to expect.

Claiming Disability

Should you need to apply for short term disability, you will need to get a form from an insurance provider. Be sure to provide accurate information regarding your disability when filling out the form. This information will need to include what your disability is and when it began. You will need your employer to fill out their part of the claim as well. Your physician will also need to validate the form for you in order to claim. Once everybody has filled out the necessary parts of the claim you can send it in to the insurance provider you got it from.

Getting Benefits

Short term disability will be a percentage of what you make at your job. It will be paid either by the state or by the insurance company that you go through.

Applying

You will need to figure out the kind of short term coverage you have available to you and then see if you qualify. Certain employers will need you to work for them at least a year before submitting your claim. You should know that it can take anywhere from 3 to 5 months before you get approved for your claim so you should apply as soon as you as you can. If the claim is approved you will receive compensation retroactively from the date you became unable to work.