How to Get Temporary or Short-Term Disability Benefits

short-term disability benefits

If you’re disabled, can you apply for short-term disability benefits? Yes — if your job’s benefits package includes that specific type of insurance coverage and you’re currently an eligible employee. However, some U.S. states also provide temporary or short-term disability benefits for permanent residents, provided you meet their program requirements. California, Hawaii, Maryland, New Jersey, New York and Rhode Island have state-run programs that provide temporary or short-term disability benefits. Unfortunately, the Social Security Administration (SSA) doesn’t have any programs that provide either temporary or short-term disability benefits. If your disability’s expected to last for at least 12 months or result in death, apply for SSI or SSDI. Your disability must prevent you from working for one year to get monthly Supplemental Security Income or Social Security disability insurance benefits.


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Understanding the Difference Between Short-Term Disability Benefits and Workers’ Compensation

Does your employer’s benefits package include short-term disability insurance coverage? If so, here’s what you need to know about getting short-term disability benefits through your employer:

  1. First, you must have worked at your current company long enough to qualify for short-term disability benefits. In most cases, your employer should have a handbook or guide detailing all eligibility requirements. If not, contact your Human Resources department and ask them directly.
  2. You must have already used up all your paid sick leave days before you can qualify for short-term disability benefits.
  3. Another important distinction is that your illness or injury must not be work-related. Work-related injuries and occupational illnesses generally fall under the workers’ compensation umbrella. That’s because workers’ compensation claims typically provide short-term disability benefits for employees who get hurt or sick on the job. Most state laws require that employers carry this insurance to cover any eligible employees. If you get hurt or sick performing any job-related duties at work, you should immediately file a workers’ comp claim.

Important: Any short-term disability benefits provided specifically through your state’s temporary assistance program don’t get paid through your employer. Your employer’s insurance provider is responsible for paying any workers’ comp or short-term disability benefits once your claim is approved. If you believe your workers’ compensation claim was wrongly denied by your employer’s insurance provider, we can help.

Keep in mind that temporary and short-term disability benefits don’t last very long after you do qualify for assistance. Depending on where you live, workers’ compensation typically covers a much longer timeframe than temporary or short-term disability benefits do.

How to Apply for Short-Term Disability Benefits With Your Individual Insurance Provider

Applying for short-term disability benefits is simple. First, you must provide medical documentation that supports your illness or injury claim. (Your doctor or caregiver should have forms detailing your medical history and current disability diagnosis.) Then, you’ll file a claim through your employer’s insurance provider or your own insurer, if you have an individual policy. Once your claim’s approved, you may start receiving short-term benefits in as little as eight days! The benefit amount typically equals 60% of your wages, which should help make ends meet until you’re working full-time again.

How Californians Can Apply for Short-Term Disability Benefits

California workers who become disabled for up to one year may file a State Disability Insurance (SDI) claim. The state’s Employment Development Department (EDD) handles all SDI claims, which only cover disabled Californians with off-the-job illnesses and injuries. California’s SDI policy covers claimants for up to 52 weeks — the longest period for any state-managed short-term disability benefits program. Once approved, you may receive up to $1,173 in weekly cash payments, though other factors may change your approved amount. For more helpful information about how California’s SDI program works, click here.

Qualifying for Temporary Disability Benefits In Hawaii

Hawaiians working at least 20 hours for 14 out of the last 52 weeks may qualify for temporary disability benefits. In addition, applicants must be currently employed when filing a Hawaii Temporary Disability Insurance (TDI) claim in order to qualify. Eligible claimants may receive up to $594 in weekly cash payments for no more than 26 weeks per benefit year. For more information about Hawaii’s temporary disability benefits program, click here.

How Maryland’s Temporary Disability Assistance Program Works

If you live in Maryland, you can be unemployed and still qualify for temporary disability benefits. The state-funded Temporary Disability Assistance Program (TDAP) provides monthly payments to disabled Marylanders without dependent children. To qualify, you must submit a complete medical report from a licensed physician to your Local Department of Social Services. You can apply for TDAP benefits in person, by mail or fax. Eligible TDAP applicants may receive cash short-term disability benefits for 12 months only in a 36-month period. If your disability is expected to last more than 12 months, you must also apply for SSI.

Who Is Covered By New Jersey’s Temporary Disability Benefits Law?

Employers who pay workers at least $1,000 per year are covered by the New Jersey Temporary Disability Benefits Law (TBDL). If you’re unable to work due to an illness or injury that isn’t work-related, you can file a TBDL claim. Be sure to file your claim within 30 days after your first missed day of work, though. Qualified applicants can receive up to 26 weeks of temporary disability benefits. For more details about the TBDL, read this informative brochure.

Qualifying for Temporary Disability Benefits In New York

If you have a non-work-related illness or injury and live in New York, you may qualify for temporary disability benefits. The New York State Workers’ Compensation Board’s Disability Benefits Law provides weekly cash payments to eligible disabled residents. If approved, you can receive up to $170 per week for no more than 26 out of 52 consecutive weeks. The form you’ll use to file your temporary disability benefits claim will vary, depending on your current employment status. Visit the New York State Workers’ Compensation Board website to download the form that applies to your specific claim situation.

Understanding Rhode Island’s Two Temporary Disablity Benefits Programs

Rhode Island employees whose injuries and illnesses aren’t work-related can apply for the state’s Temporary Disability Insurance (TDI) benefits program. Importantly, TDI claimants don’t owe state or federal income tax on their temporarily disability benefits. The state’s Temporary Caregiver Insurance (TCI) program covers family caregivers or parents wishing to bond with a new child. Qualified TCI applicants can get benefits (which are subject to federal and state income taxes) for up to four weeks. To apply for temporarily disability benefits through either Rhode Island state program, click here.

You May Qualify For Legal Assistance

Figuring out which temporary or short-term disability benefits you may qualify for can be confusing, depending on your specific circumstances. Consulting with a disability advocate or attorney is the best way to ensure you receive any benefits you’re rightfully owed. Plus, an attorney can get you the maximum benefits you may qualify for, regardless of your claim type.

Click the button below to get your free evaluation to see if you may qualify for legal assistance today.

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