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What is the shortest amount of short term disability?

Short-term disability insurance pays a benefit that covers medical conditions that prevent a person from working, and replaces part of one’s income.

The two types of disability insurance

Short-term disability insurance is a way to protect your income by paying a cash benefit for a medical condition that prevents you from working for a certain period of time, whether it’s an illness or an injury that is sustained off the job.

This kind of insurance does not cover on-site accidents, as these are included in worker’s compensation insurance.

Short-term disability insurance is not mandated on the federal level, but some states do require it. It takes the place of part of your monthly or weekly income, depending on the kind of plan that you have. It usually does not replace your whole salary, only around 50%-80% of it.


Short-term insurance coverage period

The coverage of this type of insurance can vary from as short as 30 days to no more than a year, after which you may need long-term disability.

To qualify for short-term coverage, you must have an injury, illness, or medical condition that makes you physically unable to perform your job. Certain plans can include coverage of mental illness or even pregnancy. However, if your employer provides paid family leave, you may not qualify for short-term disability for pregnancy or childbirth.

This kind of insurance usually provides for rehabilitation, so that the person insured can return to work as soon as possible.

Long-term vs. short-term

Long-term and short-term disability insurance both intend to replace part of your income. However, people who have temporary disability may have different requirements from employees who suffer from long-term issues. Returning to their job is the focus of short-term insurance, which is why rehabilitation is one of its components.


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