What Every Employee Should Know About Temporary Disability Benefits


Short-term or temporary disability is an insurance type that can offer compensation or income replacement for some specific non-job-related illnesses or injuries. The injury/illness should be such that it renders the individual unable to work for a given time period. The term “Non-job” is considered to be an important phrase to note here in this blog post. Injuries that take place while you are on the will most probably be covered by the workers’ compensation scheme, and not by the temporary disability benefits insurance in New Jersey or the other designated areas. Keep that in mind.

Who gives temporary or short-term disability insurance?

Your employer might pay for your temporary disability plan as part of the company joining perk. That being said, most of the time, organizations or companies aren’t required to do so. As a matter of fact, there are only 5 particular states (Hawaii, New Jersey, California, Rhode Island and New York) where it is mandatory for employers to provide employees with a short-term disability plan. Many employers opt to offer this disability scheme anyway, as it allows them to receive a federal tax deduction for the same.

What is considered to be a disability?

There is no particular one-standard definition for a disability that can be applied universally in this aspect. It is more of an all plan-or-policy specific. By the general observation that we have made, as we mentioned above, it is any sort of illness/injury that makes an individual unable to continue their job.

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