Short Term Disability Insurance
Definition of Short Term Disability: You are under regular and appropriate Doctor’s care for an accident or sickness and cannot perform the material and substantial duties of YOUR job.
Federal/FICA Disability requires you to be under Doctor’s care for a full five (5) months before you can apply for the Fed/FICA disability benefits. (Please note there are exceptions to this rule due to emergency disability such as: blindness and other catastrophic maladies).
Short term Disability may bridge the first six months of no work based on your policy choices, such as: Length of Benefit period and/or the elimination period.