{"id":3266,"date":"2023-10-29T21:12:54","date_gmt":"2023-10-29T21:12:54","guid":{"rendered":"https:\/\/businessyield.com\/ins\/?p=3266"},"modified":"2023-10-29T21:12:55","modified_gmt":"2023-10-29T21:12:55","slug":"short-term-disability","status":"publish","type":"post","link":"https:\/\/businessyield.com\/ins\/health-insurance\/short-term-disability\/","title":{"rendered":"SHORT TERM DISABILITY: How Does It Work &amp; Who Qualifies?"},"content":{"rendered":"<p>According to the Social Security Administration, more than one-quarter of working-age Americans will suffer a serious illness or injury before reaching retirement age. If this happens to you and you become disabled as a result, short-term disability insurance can help you continue paying your regular bills while you recover. Read on to learn what short-term disability insurance is, the cost, the best short term disability insurance, and what qualifies for Short-Term disability.<\/p><h2 class=\"wp-block-heading\" id=\"h-nbsp-short-term-disability-insurance\"><span id=\"short-term-disability-insurance\">&nbsp;Short Term Disability Insurance<\/span><\/h2><p>Short-term disability insurance, often known as temporary disability insurance, can provide monthly compensation if you are unable to work due to illness or injury. You should anticipate receiving 40% to 70% of your monthly salary until you can return to work or until your benefit period expires, whichever comes first. Benefits are normally available for three to six months.&nbsp;<\/p><p>Disability payments, unlike health insurance, are paid directly to you and can be used any way you see fit.\u00a0The majority of businesses offer short-term disability coverage, but the length of coverage and the types of disabilities covered depend on your employer&#8217;s plan.\u00a0<\/p><h2 class=\"wp-block-heading\" id=\"h-what-is-short-term-disability-insurance\"><span id=\"what-is-short-term-disability-insurance\">What Is Short Term Disability Insurance<\/span><\/h2><p>Short-term disability insurance is a plan that is specifically designed to assist with the financial difficulties that can occur when an injury impairs your capacity to work.<\/p><p>&nbsp;short-term disability insurance is only offered through worksite payroll deduction, which means your employer must offer it in order for you to apply for short-term disability insurance.<\/p><h3 class=\"wp-block-heading\" id=\"h-injuries-illnesses-and-conditions-that-qualify-as-a-short-term-disability\"><span id=\"injuries-illnesses-and-conditions-that-qualify-as-a-short-term-disability\">Injuries, Illnesses, and Conditions That Qualify as a Short-Term Disability<\/span><\/h3><p>The most basic requirement for a short-term disability is an occurrence that temporarily takes you out of work. To determine if you qualify for short-term disability insurance, it can be especially helpful to understand what is typically not covered in these plans:<\/p><ul class=\"wp-block-list\"><li>If you lose your occupational license<\/li>\n\n<li>If you are unable to work as a result of a war<\/li>\n\n<li>If you are harmed as a result of your active participation in a riot or protest<\/li>\n\n<li>If you caused injury to yourself<\/li>\n\n<li>If you have been incarcerated for a crime,<\/li>\n\n<li>If you have an existing medical problem,<\/li><\/ul><p>Short-term disability qualifying criteria differ from employer to firm, so carefully consider your alternatives.<\/p><p><strong>Read Also: <\/strong><a href=\"https:\/\/businessyield.com\/ins\/health-insurance\/physicians-disability-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">PHYSICIANS DISABILITY INSURANCE: The Complete Guide<\/a><\/p><h2 class=\"wp-block-heading\" id=\"h-how-short-term-disability-insurance-works\"><span id=\"how-short-term-disability-insurance-works\">How Short-Term Disability Insurance Works<\/span><\/h2><p>The specifics o<a href=\"https:\/\/businessyield.com\/insurance\/disability-income-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">f disability insurance coverage <\/a>will vary depending on the insurer and your state laws (currently, only California, Hawaii, New Jersey, New York, Puerto Rico, and Rhode Island require employers to provide short-term disability and\/or family medical leave).&nbsp;Typically, you can select from the following disability insurance plan options:&nbsp;<\/p><ul class=\"wp-block-list\"><li>Traditional coverage has the employer paying the monthly cost.&nbsp;<\/li>\n\n<li>Contributory coverage entails contributions from both the company and the employee.&nbsp;<\/li>\n\n<li>Core buy-up coverage entitles the employee to additional coverage.&nbsp;<\/li>\n\n<li>Voluntary coverage entails the employee bearing full responsibility for disability benefits.&nbsp;<\/li><\/ul><p>If you become handicapped while your plan is active, you must see a doctor to obtain the proper papers, file a claim, and wait for approval. To minimize any delays when completing your claim, you should be as comprehensive as possible when documenting your health.<\/p><p><strong>Read Also:<\/strong> <a href=\"https:\/\/businessyield.com\/ins\/health-insurance\/disability-insurance-for-self-employed\/\" target=\"_blank\" rel=\"noreferrer noopener\">Disability Insurance for Self-Employed: Cost, Coverage &amp; Best Options<\/a><\/p><h2 class=\"wp-block-heading\" id=\"h-cost-for-short-term-disability-insurance\"><span id=\"cost-for-short-term-disability-insurance\">Cost for Short Term Disability Insurance<\/span><\/h2><p>The cost of a short-term disability policy varies according to personal circumstances as well as the firm and policy you select. When calculating your short-term disability insurance rates, insurers take the following factors into account:<\/p><h3 class=\"wp-block-heading\" id=\"h-1-gender-and-age\"><span id=\"1-gender-and-age\">#1. Gender and Age<\/span><\/h3><p>Because your health deteriorates with age and your chances of becoming disabled rise, older people will pay more for short-term disability insurance than younger ones. Because women submit more claims for conditions such as mental health and pregnancy, young women will pay higher rates than young males. However, men&#8217;s rates rise quicker than women&#8217;s rates.&nbsp;<\/p><h3 class=\"wp-block-heading\" id=\"h-2-health-and-smoking-status\"><span id=\"2-health-and-smoking-status\">#2. Health and Smoking Status<\/span><\/h3><p>You&#8217;ll pay more for short-term disability insurance if you smoke, have certain health issues, or have a family history of chronic disease than if you&#8217;re a healthy nonsmoker. This is because being in bad health increases your chances of filing a claim.&nbsp;<\/p><h3 class=\"wp-block-heading\" id=\"h-3-job-and-hobbies\"><span id=\"3-job-and-hobbies\">#3. Job and hobbies<\/span><\/h3><p>Workers in high-risk occupations, such as commercial truck driving or construction, are more likely to be injured or ill on the job. As a result, insurance firms often charge physical laborers more than office workers. Most insurance firms determine the costs of short-term disability based on a variety of employment classes; thus, premiums might vary even across white-collar positions. High-risk recreational activities, such as skydiving, also result in higher rates.&nbsp;<\/p><h3 class=\"wp-block-heading\" id=\"h-4-policy-features\"><span id=\"4-policy-features\">#4. Policy Features<\/span><\/h3><p>Your policy options will also influence your monthly cost. During the application procedure, you must select the following:<\/p><ul class=\"wp-block-list\"><li><strong>Own-occupation coverage vs. any-occupation coverage:<\/strong> Own-occupation coverage is more extensive and costly. It pays you monthly payments if you become disabled and are unable to work at your existing employment. In contrast, any occupation coverage kicks in only if your handicap precludes you from working at all.&nbsp;<\/li>\n\n<li><strong>Benefit amount:<\/strong> Most insurers enable you to acquire short-term disability coverage for up to 50% to 80% of your salary. The more the monthly benefit amount you select, the higher your premiums will be.&nbsp;<\/li>\n\n<li><strong>Elimination period: <\/strong>The elimination period for short-term disability policies is typically between 7 and 30 days. You can save money by extending the elimination time.&nbsp;<\/li>\n\n<li><strong>Benefit period:<\/strong> The duration of the benefit term you select will also affect the cost of your coverage. Short-term disability coverage might range from three months to a year after your elimination period has concluded.&nbsp;<\/li>\n\n<li><strong>Riders:<\/strong> Certain policies may include special features such as locked-in costs or the chance to purchase more coverage later, while others may provide these benefits as endorsements for an additional price. You can also purchase a residual benefits rider, which pays partial benefits in the event of a partial disability, but keep in mind that most add-ons will raise your rates.&nbsp;<\/li><\/ul><p><strong>Read Also: <\/strong><a href=\"https:\/\/businessyield.com\/ins\/life-insurance\/how-to-use-life-insurance-while-alive\/\" target=\"_blank\" rel=\"noreferrer noopener\">HOW TO USE LIFE INSURANCE WHILE ALIVE: Explained!<\/a><\/p><h3 class=\"wp-block-heading\" id=\"h-how-to-save-money-on-short-term-disability-insurance\"><span id=\"how-to-save-money-on-short-term-disability-insurance\">How to Save Money on Short-Term Disability Insurance<\/span><\/h3><p>You can lower your rates for short-term disability insurance in several ways, and in one case, you can eliminate them entirely.&nbsp;<\/p><ul class=\"wp-block-list\"><li>In order to save money on disability insurance, it is best to purchase a noncancelable policy when you are young and healthy.&nbsp;<\/li><\/ul><ul class=\"wp-block-list\"><li>Save more money and invest in a long-term policy instead. The cost-benefit ratio of short-term disability insurance is worse than that of long-term coverage. If you can save up enough money to cover expenses for one to three months, you can use your long-term disability insurance policy to make ends meet if you become unable to work for more than that amount of time.&nbsp;<\/li><\/ul><ul class=\"wp-block-list\"><li>Select a more drawn-out round of elimination: You can lower the cost of short-term disability insurance by opting for a 30-day elimination period.&nbsp;<\/li><\/ul><ul class=\"wp-block-list\"><li>Reduce the length of your benefits. You can reduce your premiums by choosing a shorter coverage period. However, if your incapacity continues for a long time, you risk going broke.&nbsp;<\/li><\/ul><ul class=\"wp-block-list\"><li>Reduce your monthly benefits by selecting a lesser coverage amount if you anticipate needing to live on less money following a disability diagnosis.&nbsp;<\/li><\/ul><h2 class=\"wp-block-heading\" id=\"h-best-short-term-disability-insurance\"><span id=\"best-short-term-disability-insurance\">Best Short Term Disability Insurance<\/span><\/h2><p>These are the best short-term disability insurance providers chosen based on their policies, pricing, features, and third-party ratings.<\/p><h3 class=\"wp-block-heading\" id=\"h-1-northwestern-mutual\"><span id=\"1-northwestern-mutual\">#1. Northwestern Mutual<\/span><\/h3><p>Northwestern Mutual has a long history and has received outstanding third-party ratings. It is among the best because it offers short-term disability insurance, life insurance, and other benefits. Northwestern Mutual has been in business since 1859 and has been rated A++ (superior) by AM Best.<\/p><p>Northwestern Mutual&#8217;s &#8220;Best Overall&#8221; ranking is based on the company&#8217;s longevity, financial strength, and policyholder coverage options. These characteristics propelled it to the top of our list of the best short-term disability insurance for individuals and businesses alike. Northwestern Mutual provides policies at a variety of price points. Each has its own set of options, benefits, and levels of coverage. For a cheaper cost, you can obtain insurance with benefits that will not alter over time.<\/p><h3 class=\"wp-block-heading\" id=\"h-2-aflac-nbsp\"><span id=\"2-aflac\">#2. Aflac&nbsp;<\/span><\/h3><p>If you become ill or injured and are unable to work, Aflac has one of the best affordable short-term disability insurance plans. The weekly cost is as little as $8.17. Aflac was founded in 1955, making it newer to the market than some other short-term suppliers. It has an AM Best grade of A+ (Superior) and has great long-term fiscal stability.<\/p><p>Individuals must be unable to work for at least six weeks in order to file an Aflac claim. Policies are guaranteed to be renewed until the age of 75. The value rider increases payouts by $1,000 for every five years the policy is in force. However, Aflac short-term disability plans are only available through payroll deductions from employers.<\/p><p>Aflac also makes it simple to file claims online, and payments are made quickly. As a result, Aflac is both inexpensive and straightforward to utilize. These criteria contributed to its rating as the most economical short-term disability insurer.<\/p><h2 class=\"wp-block-heading\" id=\"h-what-qualifies-for-short-term-disability\"><span id=\"what-qualifies-for-short-term-disability\">What Qualifies for Short-Term Disability<\/span><\/h2><p>A qualifying medical condition must not be related to the work environment or job-related obligations, must be severe enough to preclude the employee from working for a limited length of time, and must necessitate medical attention. Short-term disability often includes:<\/p><p>Accidental injuries, chronic illnesses, acute diseases, and pregnancy or maternity leave are all covered.<\/p><p>If your income loss begins after the effective date of your policy, but the medical event happens while the policy is in operation, you may be eligible for benefits under the conditions listed above (assuming the policy does not expressly prohibit the condition).<\/p><h3 class=\"wp-block-heading\" id=\"h-1-accident-related-injuries\"><span id=\"1-accident-related-injuries\">#1. Accident-Related Injuries<\/span><\/h3><p>If you are in a car accident or trip and fall while walking downstairs, your coverage should cover short-term disability if the injury occurs off the job. Accident injuries commonly include fractured bones, burns, head trauma, and musculoskeletal injuries. Short-term disability also includes the time spent recovering from an injury-related surgery.<\/p><p>Keep in mind that your auto insurance may cover hospital costs and lost wages if a car accident specifically caused your injuries. Your policy may limit your short-term disability coverage by coordinating benefits. To be sure, double-check the text of your policy.<\/p><h3 class=\"wp-block-heading\" id=\"h-2-chronic-illnesses\"><span id=\"2-chronic-illnesses\">#2. Chronic Illnesses<\/span><\/h3><p>People suffering from chronic illnesses frequently have to take time off work as their symptoms fluctuate. Because of their nature, many chronic diseases qualify as short-term disability illnesses. Cancer, asthma, epilepsy, fibromyalgia, high blood pressure, gout, and carpal tunnel syndrome are a few examples.&nbsp;<\/p><p>Short-term disability benefits have lately begun to include COVID-related disorders. When a person suffers a loss of income and requires medical care for symptoms such as severe breathing problems, intense pains, and long-lasting high fevers, a policy may pay benefits. Short-term disability does not cover COVID quarantines. Even though quarantine may result in a loss of income, it is not covered because a person does not require medical care.<\/p><h3 class=\"wp-block-heading\" id=\"h-3-acute-diseases\"><span id=\"3-acute-diseases\">#3. Acute Diseases<\/span><\/h3><p>Due to their severity and potential for income loss, acute disorders generally qualify as qualifying conditions. Pneumonia, heart attack, stroke, kidney stones, and appendicitis are examples of disorders in this category.&nbsp;<\/p><h3 class=\"wp-block-heading\" id=\"h-4-pregnancy-maternity-or-paternity-leave\"><span id=\"4-pregnancy-maternity-or-paternity-leave\">#4. Pregnancy, Maternity, or Paternity Leave<\/span><\/h3><p>While short-term disability normally does not cover paternity leave, because a father is not under a doctor&#8217;s care, an employee will most likely be eligible for maternity leave for six to eight weeks after childbirth.<\/p><p>Mothers can also seek claims for prenatal medical difficulties, postpartum recovery, and postpartum health conditions (but not depression).<\/p><h2 class=\"wp-block-heading\" id=\"h-how-much-does-short-term-disability-pay-in-california\"><span id=\"how-much-does-short-term-disability-pay-in-california\">How Much Does Short Term Disability Pay in California?<\/span><\/h2><p>Your weekly benefit amount is about 60 to 70% (depending on income) of wages earned 5 to 18 months before the start date of your claim, up to the maximum weekly benefit amount.<\/p><h2 class=\"wp-block-heading\" id=\"h-how-much-does-most-short-term-disability-pay\"><span id=\"how-much-does-most-short-term-disability-pay\">How Much Does Most Short Term Disability Pay?<\/span><\/h2><p>You should anticipate receiving 40% to 70% of your monthly salary until you can return to work or until your benefit period expires, whichever comes first. Benefits are normally available for three to six months.<\/p><h2 class=\"wp-block-heading\" id=\"h-what-is-the-difference-between-short-term-and-long-term-insurance\"><span id=\"what-is-the-difference-between-short-term-and-long-term-insurance\">What Is the Difference Between Short-Term and Long-Term Insurance?<\/span><\/h2><p>Short-term insurance is often renewed annually. Long-term insurance safeguards something much more valuable than your possessions. It protects your life or your ability to earn a living. Funeral insurance, life insurance, disability insurance, and income protection are all examples of long-term insurance policies.<\/p><h2 class=\"wp-block-heading\" id=\"h-how-does-short-term-disability-work-in-texas\"><span id=\"how-does-short-term-disability-work-in-texas\">How Does Short-Term Disability Work in Texas?<\/span><\/h2><p>If accepted, short-term disability pays 66% of your monthly wage for up to five months following your 30-day waiting period, or use all sick leave.<\/p><h2 class=\"wp-block-heading\" id=\"h-what-is-the-most-approved-disability\"><span id=\"what-is-the-most-approved-disability\">What Is the Most Approved Disability?<\/span><\/h2><p>&nbsp;The most commonly accepted diagnoses for Social Security disability benefits are arthritis and other musculoskeletal system disorders. This is due to the prevalence of arthritis. Over 58 million people in the United States suffer from arthritis.<\/p><h2 class=\"wp-block-heading\" id=\"h-references\"><span id=\"references\">References<\/span><\/h2><ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.usatoday.com\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Usatoday.<\/a><\/li>\n\n<li><a href=\"https:\/\/www.aflac.com\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Aflac.<\/a><\/li>\n\n<li><a href=\"https:\/\/www.investopedia.com\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Investopedia.<\/a><\/li>\n\n<li><a href=\"https:\/\/www.thebalancemoney.com\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Thebalancemoney<\/a><\/li>\n\n<li><a href=\"https:\/\/www.peacelawfirm.com\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Peacelawfirm<\/a><\/li><\/ul><h2 class=\"wp-block-heading\" id=\"h-related-articles\"><span id=\"related-articles\">Related Articles<\/span><\/h2><ol class=\"wp-block-list\"><li><a href=\"https:\/\/businessyield.com\/ins\/business-insurance\/long-term-care-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">LONG TERM CARE INSURANCE: All You Need to Know<\/a><\/li>\n\n<li><a href=\"https:\/\/businessyield.com\/ins\/business-insurance\/auto-insurance-leads\/\" target=\"_blank\" rel=\"noreferrer noopener\">AUTO INSURANCE LEADS: Best Ways to Generate Them<\/a><\/li><\/ol><p><\/p>","protected":false},"excerpt":{"rendered":"According to the Social Security Administration, more than one-quarter of working-age Americans will suffer a serious illness or&hellip;\n","protected":false},"author":292,"featured_media":3279,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[12],"tags":[],"class_list":{"0":"post-3266","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-health-insurance"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.9 (Yoast SEO v23.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>SHORT TERM DISABILITY: How Does It Work &amp; Who Qualifies?<\/title>\n<meta name=\"description\" content=\"Short-term disability insurance\u00a0provides\u00a0you with\u00a0a monthly salary if you are unable to work due to illness or injury. 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