Short-term disability
Short-term disability replaces part of an employee's paycheck when an illness, injury or recovery from childbirth keeps them out of work for a while.
Most disabilities aren't caused on the job, so workers' compensation doesn't apply. Short-term disability fills that gap and gives employees peace of mind during recovery.
What's covered
Income replacement
Pays a percentage of weekly earnings, commonly between 50% and 70%.
Short waiting period
Benefits typically start after a brief elimination period, often one to two weeks.
Benefit duration
Benefits usually last from several weeks up to about six months.
Maternity recovery
Covers the recovery period after childbirth under most plans.
Non-work injuries
Covers accidents and illnesses that happen outside of work.
Employer or voluntary
Offer it as a paid benefit or let employees enroll and pay through payroll.
Who it's for
- Employers of every size
- Workforces with growing families
- Businesses complementing health coverage
Common questions
How is this different from workers' comp?
Workers' comp covers injuries that happen on the job. Short-term disability covers time off for illnesses and injuries that happen anywhere.
Does it cover maternity leave?
Most plans cover the medical recovery period after childbirth, though they don't usually cover bonding time.
What happens if an employee is out longer?
Long-term disability can pick up where short-term coverage ends.
Have questions about your policy?
Talk to a licensed agent who knows your file. We'll review your coverage, answer questions and find savings where we can.