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What is Short-Term Disability Insurance?

FAQs About Short-Term Disability

If you have a physical or mental disability that makes it difficult or impossible for you to work right now you may be eligible to receive short-term disability. There is a lot of information about short-term disability that someone can easily find on the Internet.

Q: What does short-term disability mean?
A: Short term disability is a benefit that someone can receive if they are found eligible for the benefits.


Q: How can someone become eligible to receive short-term disability?
A: A doctor needs to determine that someone is not capable to work because of mental or medical disabilities.


Q: How much is the disability going to be?
A: Someone usually receives 50-percent of their base pay as disability payments.


Q: How long does it take before someone who has been found eligible will start receiving disability payments?
A: It typically takes at least 60 days before someone can receive their disability payments.


Q: What does someone do if they need the payment during the 60-day waiting period?
A: If someone has vacation saved up they can use their paid vacation time during the sixty-day wait period so that they can still be paid.


Q: How long can someone be on short-term disability?
A: The average person can only remain on short-term disability for one year.


Q: What are the responsibilities of the employee during their short-term disability period?
A: The employee must report any and all earnings to their employer. They must also let their employer know of any updates to their medical situation on a monthly basis.