Are you covered for Short-term disability
Short-term disability is private insurance that replaces some of your income if an injury or illness prevents you from working. While you are away from work it pays you a percentage of your income for a defined period of time.
Some employers provide group policies as part of their benefits packages. If your employer does not offer short-term disability or you want additional coverage you can buy an individual policy from an insurance agent.
State temporary disability insurance (TDI) programs are currently available in six states/territories:
- California
- New York
- New Jersey
- Rhode Island
- Hawaii
- Puerto Rico (Spanish)
For a longer illness lasting six months or more your employer may provide group long-term disability (LTD) insurance. The Federal Citizen Information Center (FCIC) offers an LTD guide that includes information about individual disability income insurance and offers tips and a checklist on buying the right policy for you.
Social Security provides long-term disability benefits based on your salary and the number of years you have worked and contributed to the Social Security system. However, Social Security replaces only a limited portion of your salary, and the qualifications to receive benefits are very strict. To be eligible for Social Security disability benefits, all of these conditions must be met:
- You have been disabled for five full calendar months.
- Your disability is expected to last at least 12 months or end in death.
- You are unable to be gainfully employed at any occupation, not just your occupation at the time your disability began.
Disabilityinfo.gov is the federal government’s web site for disability-related information and services. You may wish to access information about disability benefits, or locate state and local resources.
If you were injured on the job, you should contact your state workers’ compensation office.
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