Short Term Disability insurance provides employees with an income if they have a sickness or injury that prevents them from working.
It provides you first dollar cash benefits to do with as you see fit.
There are 2 short-term disability plans to choose from, a 13 or 26 week benefit period.
Your benefits start within days of the illness or injury and are payable for up to the elected period of time.
Your weekly benefit amount cannot be greater than 60% of your annual salary.
Benefits are not payable if your disability is due to a pre-existing condition, and you became disabled during the first 6 months your insurance is in effect.
A pre-existing condition is a sickness or accidental injury for which, during the 3 months immediately before the effective date of your insurance or increased amount of insurance,
you did one or more of the following: received medical treatment, care, services or advice; or took prescribed drugs; or had medications prescribed.