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Short-Term Disability (STD)

  • Group Medical
  • Group Dental
  • Group Vision
  • Life Insurance / Accidental Death and Dismemberment (AD&D)
  • Short-Term Disability (STD)
  • Long-Term Disability (LTD)
  • Long-Term Care (LTC)
  • Employee Assistance Program (EAP)
  • Travel Insurance
  • Pet Insurance
  • Section 125 Cafeteria Plan
  • Consolidated Omnibus Budget Reconciliation Act (COBRA)
  • Legal Services
  • Qualified Retirement Plan
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Short-Term Disability (STD)

Injuries at your place of work will be covered by workman’s compensation but  what happens if you have an employee that is suddenly injured off the job? The first thing they will want to know is if they’ll have income while off the job. This is when a short term disability program is able to help.

Short term disability 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. Coverage usually starts any-where from one to 14 days after your employee suffer a condition that leaves them unable to work.

Many times, employees will need to use sick days before their short term disability kicks in especially if it’s an illness that keeps them out of work for an extended period of time. This is why there is usually a different policy for short term disability for sickness versus an injury.

Short-Term Disability (STD) insurance also pays a percentage of your salary if you become temporarily disabled (i.e. maternity leave), which means that you are not able to work for a short period of time due to sickness or injury not related to your job. Typically, an STD policy provides you with 40 to 70 percent of your pre-disability base salary.

FAQ'S

What is Short-Term Disability?

This is also known as paycheck insurance (income replacement) which provides coverage in the event of an illness and/or an injury. This is a weekly benefit.

How long does a Short-Term Disability policy last?

It depends on the employer plan design and state regulations. Typically, Short-Term Disability benefit periods last for 13 weeks (91 days).

How much does Short-Term Disability coverage cost?

Short-Term Disability premiums are based on employee salary information, the duration of coverage, the maximum weekly benefits and the employer industry.

I plan on having a medical procedure that will require some time out of work. What is the waiting period before benefits begin?

The waiting period for Short-Term Disability benefits is the time period a person must wait to receive benefits upon the onset of the illness/accident. Depending on the plan design, benefits typically become active on the 8th day or the 14th day of the illness or injury.

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Statements on this web site as to policies and coverages provide general information only. This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise, e-mail, voice mail, or facsimile. No binder, insurance policy, change, addition, and/or deletion to Insurance coverage go into effect unless and until confirmed directly by a licensed agent. Any proposal of insurance we may present to you will be based upon the information you provide to us via this online form/application and/or in other communications with us. Please contact our office at 703-961-8886 to discuss specific coverage details and your insurance needs.All coverages are available in the state provided on the proposal. No other state will be covered unless shown. Information provided on this site does not constitute professional advice; if you have legal, tax or financial planning questions, you should contact an appropriate professional. Any hypertext links to other sites are provided as a convenience only; we have no control over those sites and do not endorse or guarantee any information provided by those sites.
  • About
  • Group Benefits
    • Group Medical
    • Group Dental
    • Group Vision
    • Short-Term Disability (STD)
    • Life Insurance / Accidental Death and Dismemberment (AD&D)
    • Long-Term Disability (LTD)
    • Long-Term Care (LTC)
    • Employee Assistance Program (EAP)
    • Travel Insurance
    • Pet Insurance
    • Section 125 Cafeteria Plan
    • Legal Services
    • Consolidated Omnibus Budget Reconciliation Act (COBRA)
    • Qualified Retirement Plan
  • Individual Insurance
    • Individual Health Insurance
    • Individual Dental Insurance
    • Individual Vision Insurance
    • Individual Life Insurance
      • Term Life Insurance
      • Universal Life Insurance
      • Whole Life Insurance
  • Commercial
    • General Liability
      • Pollution
      • Volunteer Coverage
    • Property
    • Professional Liability
    • Workers Compensation
    • Commercial Automobile
      • Garage Keepers
    • Commercial Umbrella
    • Crime
    • Management Liability
      • Directors & Officers Liability
      • Fiduciary Liability
      • Employment Practices Liability
      • ERISA Bond
    • Cyber Liability
    • Constrution Related Coverage
      • Inland Marine
      • Builders Risk
      • Bond
    • Travel Insurances
    • Sports / Travel Related Coverage
      • Amateur Sports / Health & Fitness
  • Auto . Home . Renters
    • Auto Insurance
    • Motorcycle Insurance
    • Homeowners’ Insurance
    • Dwelling Fire/Landlord
    • Renters
    • Condo Unit Owners
    • Builders Risk Insurance
    • Umbrella
    • Travel Insurance
    • Boat
    • Personal Articles Floater
    • Wedding/Special Event Coverage
  • Blog
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