Everything You Need To Know About Short-Term Disability Insurance
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Friday, June 22, 2018

Working in any industry is uncertain, as the other people performing high risk tasks such as cleaning windows of skyscrapers, firefighting, repairing electrical wires, and other such jobs face a more visible threat of suffering a major injury.

However, it is not only those who are involved in these evidently dangerous jobs that need certain assurance of their welfare if they are harmed in any way while on duty. Even corporate officers and employees must seek injury protection.

What happens if your client is involved in a car accident while driving to an official meeting? Or how would your client continue providing for their family if they were to slip off a wet office floor and severely injure their limbs?

To assist employees if they ever meet these unfortunate circumstances, a corporate insurance policy known as the short-term disability insurance must be integrated into their compensation packages. Short-term disability insurance protects an employee’s earnings during the time they need to recover from the injury.

According to statistics, around 11 million workers suffer injuries while at the workplace with young adults being the most vulnerable.

Workers within the age bracket 20-25 years are most likely to suffer a serious injury that can disable them from working for an average 35 months, which is nearly three years of lost wages.

Short-term disability insurance is regulated to ensure that employees don’t have to suffer any financial burden during their recovery period and that all income lost gets remunerated accordingly.

Below are some important features of the short-term disability insurance policy.

What is Covered by the Insurance?

The core operation of a short-term disability insurance plan is to substitute the portion of an employee’s income to cover the injuries sustained. These policies provide workers enough financial assistance to help them pay their medical bills and also be able to afford their families while off duty. Some of the most common injuries an short-term disability insurance covers are: tennis elbow, knee fracture, broken bones, and herniated disks.

The policies also provide support in case the employee needs any psychological attention for reasons such as heavy stress and anxiety. Even though companies provide maternal leave, short-term disability insurance assures damages in case the worker isn’t able to work post their allocated leaves because of any unforeseen complications.

How Does it Work?

Short-term disability assistance works by providing employees the financial, legal and emotional support they need during stressful times. Most benefits start right from the first day of injury and involve paying the initial hospital charges.

This is followed by covering around 65% of the loss income that lasts for up to 50 weeks.

Many short-term disability insurance firms ensure that their clients get maximum clinical support to attend to their medical needs. As many workers aren’t aware of their rights and majority of workplace injuries go unreported each year, it is important for every employee to seek guidance from their nearest disability insurance firm to help them prepare themselves for such situations.

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