What is Short Term Disability?
Many people don't consider what will happen to them financially if they are hurt or become ill. If the injury or illness is to a degree that they are unable to work for a temporary period of time, it is known as a short term disability. In some cases, employers may offer their employees insurance to cover this temporary disability. However, there are certain restrictions regarding what does and what does not classify as this type of disability. These restrictions may vary depending on the state and the particular insurance plan, particularly when it comes to receiving funds from short term disability insurance.
Short term disability is a disability in which a person is unable to perform his work for a temporary period, which is usually 26 weeks or 6 months. Also in terms of short term disability pregnancy, particularly a difficult one, and childbirth may make a person unable to work. Under normal circumstances, when a person is unable to work, he is without a source of income. Although there is not a steady income during this period, he is still obligated to continue making payments on his regular bills, such as his mortgage or rent. In addition, he must also be able to buy food, medication and other expenses. Depending on the employer or the state, he may be eligible for a type of insurance that is called short term disability insurance. This pays the employee a certain percentage of his income as long as he meets the requirements for eligibility.
An employee may receive short term disability insurance in one of several ways. In some cases, employers provide the insurance, with or without employee contributions to the plan. If an employer also provides paid sick leave to his employees, this insurance will typically not go into effect until shortly after that leave has been exhausted. In other cases, temporary disability will not go into effect until the employee has been unable to work for a period of one to two weeks. Employees may sign up for their own plan through a provider that is made available through their job. In some states, such as California, employers are required by law to provide their employees with disability insurance. The administration of these plans varies by state.
In order to be eligible for short term disability, a person must meet certain requirements. If the person is requesting short term disability because of an injury it must not be an injury that occurred as a result of his work. In terms of illness, it must be a condition that qualifies under the terms of the specific plan. The employee must be unable to perform his job during the time that he is ill or incapacitated and must generally have the recommendation of a physician. Also when it comes to qualifying for short term disability, pregnancy and childbirth meet the necessary requirement. This is often for a shorter period of time than the disability coverage for an illness or an injury. Depending on the employer, a person may need to also meet certain employment standards before he can claim temporary disability. For example, an employee may need to be full time and have worked the job for a certain number of months prior to the incident.
The Family Medical Leave Act (FMLA) is a type of federal short term disability for people who work in businesses with 50 employees or more. This allows employees to take time away from work due to medical reasons and ensures that their job and all applicable benefits will still be in effect. Unlike short term disability insurance, FMLA does not provide the employee with income while he or she is not working. Short term disability pregnancy insurance covers maternity leave and falls under FMLA. In some cases a person may also have short term disability pregnancy insurance to cover temporary leave following childbirth. A person may take up to 12 weeks in any 12 month period under FMLA.
In times of illness or injury, short term disability benefits can be helpful, although not all states require employers to provide disability and not all employers offer disability insurance. Because accidents and illnesses are never planned, it is important for people to understand what their state laws are in terms of short term disability. Therefore, when looking for employment it is important for people to learn what their employers offer in terms of benefits, if any.