Medical Coverage for Short-Term Disability Benefits
In case of illness or injury sustained outside the workplace, one may be entitled to short-term disability benefits. Some states provide employees with these benefits, and employers in other states can offer short-term voluntary benefits.
Short-Term Disability Insurance (STDI)
Some states provide short-term disability benefits through a state fund paid for by employees, employer contributions, or both. Employers might also offer STDI benefits either fully paid by the employer or subject to employee contributions.
Illnesses Covered by STDI
A short-term disability plan provides payment for lost wages if an employee is unable to work temporarily due to pregnancy or an illness or injury suffered off the job. Qualifying surgeries must be medically necessary. Common examples of medical operations that might qualify for short-term disability benefits are: open heart surgery, caesarean section birth, removal of gallbladder or other internal organs, broken bones, and knee or hip replacement surgery.
The attorneys at the LaMarca Law Group, P.C. can help workers in need of disability benefits. Contact our firm at (515) 225-2600 to see how we can get you the coverage you need.