One of the most common misconceptions for workers in the United States is that of thinking short-term disabilities aren’t included in insurance policies. This lack of awareness tends to pose a great deal of stress on many families throughout the country, which is why you should know most illnesses do support disability rights.
Short-term disability is the benefit a worker is granted when not being able to attend to work in a small period of time. The illness of the worker more than often doesn’t matter, as injuries, pregnancies and other kinds of pathologies are accounted for if such a condition forbids the worker to properly report to their job.
However, it is important to highlight that not all employers in the United States grant this benefit to their workers. As a voluntary benefit, they are not enforced to offer it.
Nonetheless, at least 6 states and regions in the country do enforce employers to grant short-term disability benefits, with the coverage being potentially viable for any pathology presented even outside of the work environment. Hawaii, California, New Jersey, Rhode Island, and Puerto Rico are amongst said regions.
How common are short-term disability benefits?
According to the Council for Disability Awareness, 1 out of every 3 Americans suffers at least one type of disability that forbids them from attending work at the time of retirement. For active workers, 1 out of 7 will have an illness of the same nature.
Both part-time and full-time workers are eligible for short-term disability coverage, while students and temporary workforce also fit the criteria to grant the benefit. High-school students are excluded.
For the absence to become long enough to activate the benefit, at least 7 consecutive missed days of work must pass. Moreover, physical injuries are usually keen to activate the benefit faster than other types of illnesses (especially because the pathology is evident for both the employer and the insurance firm).
It’s crucial to understand that any type of medical certification will automatically fasten the process of acquiring the benefits, as conditions that could potentially be serious for the worker in the future take longer to be acknowledged.
Importance of having short-term disability insurance
Most insurance companies will cover up to 65% of the worker’s total salary at the time the pathology was presented to the employer as a cause for absence. The amount to be paid, known as retroactive pay, can go as far as $3,000 a month.
As for the time of coverage, technically it can be said that it has no limits. The length of the benefit will be subjected to the company’s terms as there’s no predefined time period of limitation. However, most insurance programs will ask for all the proper documentation that certifies your illness and confirms your inability to attend the workplace.
It’s also important to say that these payments will still be subject to taxation and that only a state release by a valid doctor will be needed for you to return to your duties.
If you want to find out if you are eligible for this benefit, take this FREE one-minute online survey (https://nationaldisabilitybenefits.org/?aid=seo) to see how much you may qualify to receive.How Does Short Term Disability Work