What is short term disability (STD)?
Note – This overview provides you with basic information about STSD. However, you will need to talk
with your employer or HR to determine your specific STD benefits.
What are Short-Term Disability Benefits?
Short term disability (STD) is a type of insurance that pays a percentage of an employee’s
salary for a specified amount of time, if they are ill or injured, and cannot perform the duties of
their job. Generally, the benefit pays around 40 to 60 percent of the employee's weekly gross
income.
When does Short-Term Disability Starts Covering the Employee?
Coverage usually starts anywhere from one to 14 days after an employee suffers a condition that
leaves them unable to work. The time of coverage may vary from 9 to 52 weeks from
eligibility. Many times, employees are required to use sick days before short term disability
kicks in if it’s an illness that keeps them out of work for an extended period of time.
For this reason, employers often have other types of insurance that cover workplace injuries vs.
those that occur off the job. There may also be a different policy for short term disability for
sicknesses and injuries.
If an employee must be out for longer than the short term disability benefit covers, then either a
long term disability plan or permanent disability kicks in.
with your employer or HR to determine your specific STD benefits.
What are Short-Term Disability Benefits?
Short term disability (STD) is a type of insurance that pays a percentage of an employee’s
salary for a specified amount of time, if they are ill or injured, and cannot perform the duties of
their job. Generally, the benefit pays around 40 to 60 percent of the employee's weekly gross
income.
When does Short-Term Disability Starts Covering the Employee?
Coverage usually starts anywhere from one to 14 days after an employee suffers a condition that
leaves them unable to work. The time of coverage may vary from 9 to 52 weeks from
eligibility. Many times, employees are required to use sick days before short term disability
kicks in if it’s an illness that keeps them out of work for an extended period of time.
For this reason, employers often have other types of insurance that cover workplace injuries vs.
those that occur off the job. There may also be a different policy for short term disability for
sicknesses and injuries.
If an employee must be out for longer than the short term disability benefit covers, then either a
long term disability plan or permanent disability kicks in.