Free Consultation 877.583.2524
We do not handle social security disability claims
logo celebrating

Nationwide Leaders in Disability Insurance Law

shook hands

What does short-term disability cover and when does it kick in?

Wednesday, October 18th, 2017

It is known to most that workplace accidents in Carle Place and nationwide can injure or kill workers, but the scope of the problem may surprise some. According to the AFL-CIO, as many as 150 workers lose their lives while at work each day, and annually there are between 7.4 million to 11.1 million workers who are injured on-the-job. In fact, the Council for Disability Awareness reports that one-quarter of workers in their 20s will suffer a disability before retiring.

So, if a person suffers a sudden injury or illness, it could mean missed time away from work, and missed wages which are desperately needed to afford their medical expenses and other bills. For this, reason it is best to be prepared for the chance that one could suffer a disability. One way to be prepared is through a short-term disability policy.

Short-term disability provides payments in the amount of a certain percentage of a person’s wages for a certain time period if, due to an injury or illness, the policyholder cannot work. Usually they cover anywhere from 40 to 60 percent of the policyholder’s wages, and coverage in general might commence anywhere from one day to two weeks after the policyholder is rendered unable to work. Coverage might last anywhere from nine to 52 weeks.

Sometimes, a worker must utilize his or her sick days before he or she will be allowed to take advantage of his or her short-term disability benefits. Short-term disability policies are often paid for by the worker’s employer. In fact, in New York and several other states, short-term disability coverage is required.

This is only a very basic overview of short-term disability. Those who have questions about their short-term disability policies or have had a claim for benefits denied are encouraged to bring the matter up to their attorney.

Source: the balance, “Short Term Disability Basics,” Susan Nathan, Aug. 1, 2017

Justin C Frankel

Written By:

Justin C. Frankel - Disability Insurance Attorney

Justin Frankel is a founding partner of the disability insurance law firm Frankel & Newfield and is a highly skilled litigator and advocate. He has published numerous articles on the challenges facing clients with private or individual disability insurance policies and those who own group or ERISA disability insurance policies.

Learn more about Justin | See Justin’s Publications



Ready To Talk?

Fill out the form to request a FREE legal consultation

Sorry, we do not handle SSDI/Social Security claims.

Frankel & Newfield does not currently handle any Social Security Disability Insurance claims.


*Required fields are marked

I have read the disclaimer.

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.


This is about a Social Security Disability claim.

Ipad image

Download Our Free eBook


Secrets the Disability Insurance Companies Don't Want You to know!

Sign Up for our mailing list to receive disability insurance law updates

Your information is 100% secure and will never be shared with anyone


No matter where you are nationwide, we are here to help.

We have the resources and support to take on the largest insurance companies.

Contact us today for our nationwide service.

Contact Us
Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri
Nebraska Nevada New Hampshire New Jersey New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina
South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming