Higginbotham Group Short-Term Disability Insurance

Short-Term Disability Insurance

Short-term disability is designed to help employees who are unable to work due to childbirth, illness or injury.  

This coverage works by supplementing the disabled employees’ income with benefit payments. While these payments only cover a portion of the money an employee would make while working, they are usually enough to cover living expenses throughout the time an employee is out of work. 

Short-term disability benefits typically kick in somewhere between the 1st and 30th day after a qualifying event. These benefits are usually paid for a total duration ranging between 90 and 180 days.

In most cases, group disability benefit payments are determined by an employee’s base salary or W-2 earnings.

A typical plan follows the 14/14 model, in which benefits begin on the 14th day after a qualifying event. That said, there are a multitude of options to choose from when shopping for disability insurance.

If you need benefits beyond what is allowed in a group disability plan, some individual disability policies offer flexible solutions to explore.