What You Need to Know:
- Trigger Events
- Illness or injury that prevents you from working will initiate Short-Term Disability.
- Depending on your policy, coverage will start anywhere from one to 15 days after the employee suffers a condition leaving them unable to work.
- It is not uncommon for employers to require employees use sick days and/or provide medical documentation prior to starting short-term disability.
Many states have varying rules about coverage. Contact Harbor America to understand your state’s mandatory coverage guidelines.
Front-loaded with a short waiting period, short-term disability plans are in place to assist employees in replacing all or part of their income due to temporary inability to work.