How often do you think about the possibility of becoming disabled? The fact is that most American workers don't think a disabling injury or condition can happen to them. If you become injured and cannot work, you and your family may not have the income you need to live. Individuals and families are devastated by short periods of unemployment even if they aren't dealing with medical bills or rehabilitation costs.

Short-term disability insurance policies help to replace lost wages if an employee's injury or condition prevents them from working. These policies are essential if you've been hurt. This page is an overview of short-term disability policies and benefits.


Short Term Disability Insurance

Many employers offer short-term disability policies as a benefit. Some employers pay for the group policy, while others give employees the option to add themselves to the policy by paying their own contributions. Consumers can buy private disability policies in case their companies don't offer disability insurance as a benefit.

Short Term Disability Coverage

Short-term disability policies can be customized to meet a person's or family's needs. The following factors can vary from policy to policy:
  • length of coverage
  • whether or not your spouse is covered under the same policy
  • length of time between disability onset and the beginning of coverage
  • amount of benefits, or the income that you want replaced
  • circumstances of the disability
Short-term disability policies can help cover your lost wages if your disability is a result of workers' compensation, personal injury, or other events if they are covered. Additionally, some policies provide coverage for sick leave and women who cannot work due to planned pregnancies.


Short-term disability coverage pays a percentage of your original wages. The exact percentage is determined by your insurance contract, but is usually between 50% and 70% of your weekly wages. Your insurance payments are directly related to your coverage options, so discuss your policy limits with an agent who can help you balance the two.

If your disability policy is sponsored by your employer, then you may have to work for them for a certain period of time before you qualify for coverage. Generally, you also need to be a full-time employee.


Policy Terms

Short-term disability policies (as the name implies) last for shorter periods of time than other disability policies. They cover an employee's lost wages from 10 to 26 weeks, or roughly two to six months. Many disability insurance policies include long-term coverage. So if you are unable to work for longer than 26 weeks, you may still be protected.

It is essential that you buy and understand an insurance policy before you need to use it. Whether your short term disability insurance policy is through your employer or a private company, it can provide you with crucial benefits in case of injury or illness. If your claim has been denied or you are having trouble getting benefits, call the Coye Law Firm. We can aggressively pursue benefits for you and your family while you focus on getting healthy.