Imagine this: You have been dealing with back pain for several years and you have finally made it a point to for surgery and get it well taken care of. Your doctor tells you that the recovery is not going to be easy. It will take a long while and sitting at your desk daily will be a tough task. You are already thinking about how much money will be spent in the process and how you are going to manage your expenses. Several situations will help you understand whether or not short term disability can help you in this case, and how well it can work. In today’s post, we are going to tell you all about it. Keep reading to find out more.
What is Short Term Disability?
The short term disability is defined as a type of insurance benefit that gives you some amount of compensation or even income replacement for any injuries or illnesses that are job-related, something that has made you completely unable to work for a specific time.
Not being job-related is a big phrase that you should note. Injuries occur when you are always on the clock, it has been covered by the worker’s compensation instead of short term disabilities.
Who Can Give You a Short Term Disability Insurance?
The person who hires you can give you a short term disability plan like a benefit. However, the bigger majority don’t have companies doing this for them. Studies suggest that only five states have mandated that all employers will be given a short term disability plan to all of their employees. Many employers also tend to choose the benefit
just like that, as they also get a tax deduction for doing the same. If the company is giving you a short term disability, it can be seen in two different ways.
The first one is called self-administered: Here, your employer will give you funds that will be able to benefit you.
Second is called insurance: Here the employer who works with an insurance company will provide you with that benefit.
What Counts as a Disability?
So far, there has been no standard definition for a disability that can be applied right here. It is all a plan or maybe, its policy specific. Famous attorneys who handle cases with conditions that qualify for LTD have said that, in general observations, it is just some sort of injury or even an illness that calls someone to be unable to do their job. This could also include things such as major surgeries, childbirth, long recoveries, illnesses and frequent treatment or even injuries that are sustained in some kind of accident. Bartolic has explained that one of the best things to do is check the plan and the documents as the definition of disability that should be spelled out clearly.
So, that’s all that we have for today. Hope you enjoyed reading the post and found some benefit from it.