Short-term disability insurance pays a percentage of your salary if you become temporarily disabled, meaning that you are not able to work for a short period of time due to sickness or injury (excluding on-the-job injuries, which are covered by workers compensation insurance). A typical short-term disability insurance policy provides you with 60 to 70 percent of your pre-disability base salary.
The National Association of Insurance Commissioners estimates that these benefits generally last many months. Short-term disability insurance policies place a “cap,” meaning you receive a maximum benefit amount per month. Short-term disability insurance policies also have a limit on the amount of time you can receive benefits — up to two years.
Short-term disability insurance, which is often purchased while working as a Postal Service or Federal employee, can be paid by payroll deduction. Some products offered by The Benefit Coordinators are Group short-term disability insurance policies offered on a “guaranteed issue” basis, meaning you do not have to take a medical exam to buy coverage.
Did You Know?
Short-Term Disability can fill the gap between the injury and when Worker’s Compensation begins.
The Benefit Coordinators offers Short-Term Disability programs ranging from 2 weeks to 104 weeks of benefits.
It is the federal employees responsibility to enroll in their own short-term disability program.