Group Short-Term Disability

Group Short-Term Disability Insurance


Group Short Term Disability Insurance Harman Stone

Group Short-Term Disability Insurance is a type of group insurance that pays a percentage of an employee’s salary for a specified amount of time - if they are ill or injured - and are unable to perform their duties.  Generally, this valauble benefit pays around 40% to 60% of the employee's weekly gross income.


When Does Group Short-Term Disability Begin Paying Benefits?

Benefits usually start from 1 to 14 days after an employee suffers a illness or injury leaving them unable to work.  The benefit duration usually varies from 9 to 52 weeks after the completion of the exclusionary period.  Often, employees are required to use sick days before Group Short-Term Disability Insuurance can be utilized if it’s an illness.

If an employee is off work for a longer period than the Group Short-Term Disability Insurance covers, then either a Group Long-Term Disability Insurance plan or perhaps permanent disability can be used.


Who Pays for Short Term Disability Coverage?

A Group Short-Term Disability Insurance policy can be "non-contributory" or "non-contributory" - an entirely employer paid benefit, or one employees pay some portion of the benefit.  Generally, though, Group Short-Term Disability Insurance coverage is employer paid.  Employers do have a choice of having employees pay for coverage, with certain tax implications.

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