Group Short Term Disability Insurance
Short term disability insurance covers employees who are out of work due to a disabling temporary illness or injury. They pay up to 90% of an employee’s wages after a waiting period, for a period of up to two years. If the employee is still considered disabled after this time, the long term disability policy will kick in.
This coverage is offered by the employer and can be structured for the premium to be paid by the employer, partially shared with the employee, or paid fully by the employee.