Benefits can vary according to employer's policy. Short term disability may be available for a longer duration. It can be limited to one or two weeks.
About short term disability through employer:
In short term disability through employer, employees choose to join group long term disability plans. These are benefits that are valid for period of 4 years, 8 years or for full term of employment.
-Another benefit is that for every full month of covered time away, you receive a portion of benefits. You may be entitled to up to 80% of weekly pay.
Pros of short term disability through employer:
In short term disability through employer, if you are injured by a client, client can often collect from company if it was insurable. It’s not unheard of for company to be forced to pay client too.
-Most obvious benefit is that this will pay for your health care cover, or benefits program of choice, but you get paid directly in case of termination.
Pros of short term disability through employer:
In short term disability through employer, the company pays for a short term disability insurance cover policy. You have to pay the premiums out of pocket, so you must be careful with your investment.
Cons of short term disability through employer:
-Hours required to recover from injury
-Financial costs
-Employer involvement recovery
-Loss of wages & employer-paid benefits
-Health insurance claims
Short term disability through employer, may be worth it even if you are not sick. You could use it if you are just not up to office yet or are on vacation. You may not need it, but it’s an option.