The Advantages of Short-term Disability Insurance

Workers who get injured during the performance of their job, or those who develop an occupational illness, are entitled to file a claim with the Workers’ Compensation for financial benefits designed to cover lost wages, cost of medical treatment, rehabilitation and death (if the injury is fatal). There are times, though, when accidents occur while off the job or when an employee suddenly gets ill, suffers a temporary health problem, or undergoes surgery which would obviously result to days (or weeks) of recovery period – any of these will definitely cause a brief pause from work. It is during this time when short-term disability benefit become very important, as this will make up for the loss of regular income and so protect an employee from the possibility of falling into a crippling financial situation.

Short term disability, which may be employer-sponsored, paid by the employees themselves, or a combination of the two, is a special insurance benefit designed to cover lost wages due to injury or illness (which are not job-related). Since the injured or sick employee can use his/her sick and vacation leaves so as not to suffer loss of pay during the first few days of absence from work, the short term disability coverage has been designed to kick off after such leaves have all been used (coverage may be from day 1 to day 14 after the injury was sustained or after the illness began).

Some employers provide their employees the short-term disability insurance as a combination to long-term disability insurance. Employees who are not provided with this benefit may avail of it on their own. One important thing that employees need to realize about this special type of insurance is that it is different from (and is not meant to replace) Workers’ Compensation Insurance, which awards financial and medical support to individuals whose injury or illness is job-related.

As explained by Raleigh workers’ comp lawyers, many common workplace injuries, such as sprains and back injuries, require a rest period while a patient recovers. Many employees who earn hourly wages are concerned about losing much needed money, and may even force themselves to work when they should not. Well, the good news is, employees who need to take time off of work can be eligible to receive compensation which will cover part of their lost wages. Having a highly-skilled workers’ comp lawyer may enable an employee to be eligible to receive this financial benefit.


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