Sick Pay Short- term Plan
Day One Coverage – that pays cash directly to you if you’re sick or hurt and can’t work.*
Short-term disability pays you a portion of your salary in situations when on-the-job or off-job-related injuries, illnesses, or other medical issues prevent you from working for a limited time period. (Note: “Non-job-related” is an important phrase there. Injuries sustained while you’re on the clock will typically be covered by workers’ compensation rather than short-term disability. Check with your insurance agent to get more information on this matter)
Many U.S. employers offer a short-term disability plan as an employment benefit. However, only a few states and territories—including California, Hawaii, New Jersey, New York, Rhode Island, and Puerto Rico—require that employers offer a short-term disability plan to their employees.
This plan: “By definition, it’s short-term, but it can range in duration. The plan offers a 30,60 and 90 day pay period. Your time off also depends on your specific health problem. “The medical field has guidelines as to how long recovery should provide a roadmap for your employer or plan provider to establish a reasonable amount of time for you to be out of work.
As the names imply, short-term disability is used to cover injuries or illnesses that persist for a shorter amount of time (usually less than 90 days, depending on your plan).
*Must be under the regular care of a doctor for benefits to apply
Disclaimer:
This is a supplement to health insurance and is not a substitute for Major Medical or other minimum essential coverage. IMPORTANT: If a covered individual is a Medicaid recipient, policy benefits may be assigned and payable to your state Medicaid agency. Also, your benefit payments may count as income for Medicaid eligibility purposes. CONTACT US to get you and your family protected against accidents.
