Short term disability is a type of employee or group insurance coverage benefit that pays an individual a portion of her salary during an unexpected illness or injury that leaves her unable to perform her job, according to employee benefits expert Susan Nathan. Short term disability benefits are generally extended to an employee who works 30 or more hours per week.Continue Reading
Short term disability is usually offered by a person's employer as a benefit of employment. In this situation, the individual purchases group coverage through her employer's choice of insurance providers. However, California, the District of Columbia, Washington, Rhode Island, Hawaii, New Jersey and New York offer statewide short term disability programs to all qualified employees, according to Disability Lawyers. Under these plans, individuals who are too injured or too sick to work receive a portion of their salaries for varying time periods of approximately six to 30 weeks.
DisabilityLawyers.com notes that pregnancy and the delivery of a baby and a couple's adoption of a child usually fall under state-mandated and group insurance short term disability plans. In these situations, the mother of a child uses part of the time to rest before the birth of her child and returns to work several weeks after she delivers the baby. When a couple adopts a child, both parents are generally allowed to take off of work for a pre-designated time period that is outlined under their short term disability coverage plans.Learn more about Social Services
To apply for short-term disability, an employee has to know if he has this type of coverage and whether he qualifies for it. For example, if a worker has coverage through a state program, he can file a claim if he meets certain requirements such as having worked a certain length of time or meeting minimum earnings as established by some states, notes DisabilitySecrets.com.Full Answer >
To qualify for Social Security disability benefits, a person must have worked a job covered by Social Security and meet the definition of a disability, explains the Social Security Administration. To qualify for retirement benefits, applicants must be at least 61 years and 9 months old to apply.Full Answer >
In order to receive Social Security disability benefits, a recipient must have worked a job covered by the program, and must have a medical condition that is covered by the program's guidelines. Disability benefits are typically paid out to those who cannot work for a year or more.Full Answer >
New York State disability benefits, which are for off the job injuries and illnesses, can be used to pay rent or whatever the claimant chooses. Benefits are paid out in cash, and payments aren't assigned for a specific purpose as of April 2015.Full Answer >