Disability Coverage

Short-Term Disability

Short-term disability coverage replaces a portion of an employee's income during the first 90 to 180 days of a qualifying disability, illness, injury, pregnancy, or surgery recovery. It bridges the gap between when a disability begins and when long-term disability coverage kicks in, and it's the disability coverage employees are most likely to use.

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Coverage Principle

Short-Term Disability should be reviewed against real exposure, not assumed from the coverage label.

The real issue is not whether the coverage exists; it is whether the limits, exclusions, eligibility rules, definitions, contracts, people, property, timing, and carrier requirements match how the risk actually shows up. When those details are not reviewed before renewal or enrollment, a policy can look complete on paper while the most important conditions remain unclear until someone tries to use it.

Disability Coverage

What You Need to Know About Short-Term Disability

Benefit Amount and Duration

Most STD plans replace 60–70% of an employee's pre-disability weekly earnings for up to 12–26 weeks, depending on the plan design. The benefit amount and elimination period (typically 7–14 days before benefits begin) are the key design variables.

Elimination Period

The elimination period is the number of days an employee must be disabled before benefits begin, typically 7 days for illness and 0 days for injury. Employees should understand how this interacts with any sick leave or PTO policy.

Pregnancy and Recovery

Short-term disability is the primary income protection for employees during maternity leave and recovery from childbirth. Many states don't mandate paid family leave, making employer-provided STD coverage the key income protection benefit for new parents.

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Independent · Licensed in ND & MN · All major carriers · Based in Fargo

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