Short-Term Disability

Short-term disability benefits apply when a disability prevents an employee from performing basic occupational duties.

Many states require employers to provide this type of coverage to their employees. This requirement can be met through a state-sponsored plan or a private insurance carrier, and employers can choose which option best suits their needs and budget.

The duration of benefits can range from thirteen weeks to fifty-two weeks, although most employees are covered up to twenty-six weeks. If the disability requires long-term absence from work, the income serves as a bridge to long-term disability benefits. Some employers may choose to supplement statutory coverage with additional benefits, which are often integrated into a Long-Term Disability policy.

Benefit Sources & Solutions helps employers design Short-Term Disability Plans that are beneficial for both the organization and its employees.