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As the name indicates, short term disability insurance is intended to cover you for a short period of time following an illness or injury that keeps you out of work. While policies vary, short term disability insurance typically covers you for a term between 3-6 months.
While short-term disability replaces a portion of the employees income, the FMLA protects the employees job. In fact, the FMLA provides up to 12 weeks of job-protected leave.
SMART VOLUNTARY SHORT TERM DISABILITY PLAN (VSTD)
You generally get your first benefit payment within two weeks of filing your claim and youll get payments every two weeks until your benefit period is over.
In order to be eligible for DI benefits, you must: Be unable to do your regular or customary work for at least eight days. Have lost wages because of your disability. Be employed or actively looking for work at the time your disability begins.
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Long-term disability is a good choice for most people because it reduces the risk of financial setbacks if you become disabled. If you dont have coverage, that period with no income could make it hard to pay bills, support your family, and save for retirement.
The Short-Term Disability (STD) Plan provides an income replacement benefit to participants in the MegaFlex Benefit Plan employees in the event they become ill, injured, or pregnant.
Generally, employees in California are also protected by the CFEHA from losing their job if an employee is on temporary leave due to a disability. (The ADA offers similar protections).

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