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They want to know they'll still have income to pay bills and cover living expenses while they recover.
When you tell us about changes of circumstance (you've started work or increased your wages or the hours you work), we'll check if you should get one.
Determination for long term disability is provided by the insurance company's team of doctors and insurance analysts who carefully monitor each case.
A short term disability policy can be an employer or employee paid benefit.
If an employee must be out for longer than the short term disability benefit covers, then either a long term disability plan or permanent disability kicks in.
This may happen at 10 to 53 weeks from the date of eligibility.