What questions are typical for short-term disability insurance?


Quick Answer

One of the main questions employees want to know is whether the employer or employee pays for short-term disability insurance. Many companies cover the cost of short-term disability insurance, which may then lead to questions about the specifics of qualifying for coverage and typical payment amounts, according to About.com.

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Full Answer

When short-term disability insurance is covered by employers, employees can expect to receive 80 percent or more of their weekly salaries, according to Fidelity Investments. Payments usually begin after a designated waiting period and typically last an average of 60 to 180 days; insurers decide the longevity of payments. In many instances, employers subsidize short-term disability coverage, paying most of the costs, while employees cover the rest. Some states, such as California, New York and Hawaii, provide some type of short-term disability coverage either directly or through employers. Eligibility requirements for state-run insurance varies, and residents should check for compensation limitations.

Qualifications to receive short-term disability payments may include a requirement to work a certain number of hours and be employed for a certain amount of time, as noted by About.com. For instance, employees might be required to be employed for six months and work at least 30 hours per week. Workers should never assume they have disability insurance because many states don't require employers to offer it, according to Fidelity Investments.

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