Guide on How to Get Short-Term Disability Benefits


Only a handful of states (California, Hawaii, New Jersey, New York, and Rhode Island),  provide temporary disability benefits. The eligibility and availability of a short-term temporary disability plan are dependent on a lot of factors, however the most crucial is the location that you currently reside. Other plans and programs that provide short-term or long-term temporary disability benefits are workers' compensation, in case the injury related to the workplace, and private disability insurance, that can be purchased and paid for by employers from a temporary disability insurance company for the benefit of the employees. Social security, cannot by any means offer short-term disability, even when you take SSI or SSDI programs into consideration.

Eligibility Requirements

The state’s temporary disability plan is generally easier to get than social security disability. For a state that offers short-term disability, below is a list of some general requirements that apply to all other states:

1.   Some states have imposed a minimum earnings criteria
2.  A one-week waiting period remains before benefits can be paid. You are not entitled to receive the benefits until the 8th day you get temporarily disabled
3.  The illness or injury must not be related to work
4.  The perks last for not more than 26-30 weeks (however it is 52 weeks in California)
5.  The weekly benefit is close to 60 percent of your current wages
6.  Pregnant women can get short-term disability benefits for several weeks for both delivery as well as recovery

Consider this blog post and get in touch with some of the reputed temporary disability insurance companies and seriously think about privatizing the TDB insurance.


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