Short Term Disability Insurance

Short term disability (STD) insurance provides income protection if you become temporarily unable to work due to injury, illness, or pregnancy. You typically pay premiums through payroll deductions.

Key Points

• Replaces a portion of your income (usually 60-70%) for a limited time period (typically 3-6 months)
• Has a waiting/elimination period before benefits begin (often 7-14 days)
• Benefit amount based on severity of disability and inability to perform job duties

For more information specific to California, you can visit the California State Disability Insurance (SDI) page.

Required Documentation

• Medical documentation from healthcare provider detailing:
  • Nature and severity of condition
  • Expected duration of disability
  • Treatment plan
• Completed claim forms from employer
• Proof of income/earnings history
• Authorization for release of medical information

Benefit Determination

Insurance providers assess:

• Physical limitations and restrictions
• Job requirements and essential duties
• Medical evidence and physician statements
• Ability to perform modified/alternative work

The more your condition impacts core job functions, the higher percentage of income replacement you may receive, up to the policy maximum.

For additional resources, you might also check the California Department of Insurance for guidelines and regulations regarding short term disability insurance.