Weekly benefits when you can't work

Short-term disability insurance provides a portion of your income if you are temporarily unable to work because of a medical condition (including pregnancy). Short-term disability is also known as Temporary Disability Income benefit.

Short-term disability insurance is only available through an employer. Check with your employer for more details.

In addition:

• Only certain illnesses or injuries are covered under your plan.
• You need to miss a certain number of work days before your disability pay starts. This is called an elimination period.
• Benefits last for a specific period of time, after which you may be eligible for long-term disability benefits.
• We may require you to undergo rehabilitation services to help you return to work.
• Other income you have during your disability may affect the amount of your benefit.
• The amount you receive is usually based on your annual salary, commissions, or other forms of income from your employer, depending upon your disability plan.

Your plan summary explains the details of your plan.

Five states have state-mandated disability plans. The states are California, Hawaii, New Jersey, New York, and Rhode Island. Puerto Rico also has state-mandated disability. If you work in one of these places, you may qualify for this benefit. Check with your employer for more information.

Help to get back to work

Your short-term disability plan also may include:

• Experienced staff available to help them manage claims by phone or online
• Clinical specialists who support a healthy return to work
• A convenient web portal and mobile application for managing claims