What Is Short-Term Disability (STD) Insurance?

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Home > Benefits > Supplemental Insurance (Life, Long & Short Term Disability, Accident, Etc.) > What Is Short-Term Disability (STD) Insurance?

Quick Answer
Short-term disability insurance replaces a portion of your income if you are unable to work due to a non-work-related illness or injury.

Plan Details

Benefit: 60% of base pay (up to $1,750 per week)
Elimination Period: 14 days
Duration: Up to 13 weeks
Benefits may be reduced by other income sources, including state-mandated disability programs.

Why This Matters
STD can help cover everyday expenses such as rent, utilities, groceries, or childcare while you recover.

Important Plan Information

This article provides a general overview for educational purposes only. Official benefit definitions, eligibility requirements, coverage limits, exclusions, enrollment rules, and approval determinations are governed by the applicable insurance policy and plan documents. In the event of any discrepancy, the official plan documents and insurance carrier determinations control.

Disclaimer:
This article provides general information and guidance and may not address every situation or state-specific requirement. It does not create a contract, guarantee, or promise of any specific outcome. Company policies, practices, and legal requirements may vary by state and may change over time. This article does not replace or supersede applicable laws or official Company policies, handbooks, manuals, or training materials.

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