Thankfully, the application process is short so that you can quickly get the necessary funds. Otherwise, your savings might be exhausted in under six months.
When applying for Short Term Disability, you should talk to the HR department or doctor’s office as soon as you become ill or get injured. Afterward, you get your claim document signed by your doctor. After submitting your application, and the necessary documents, you may receive your benefits after seven days.
On the other hand, you can’t apply for Short Term Disability if the duration of the health problem can be covered by sick days. You can’t also claim Short Term Disability insurance if you don’t have the necessary medical records. These records are going to be reviewed by an insurance company.
If your application didn’t qualify for Short Term Disability or you haven’t received any notice yet, you may appeal within a definite time frame.
It’s noteworthy that social security only covers total disability. According to social security rules, non-permanent conditions should be covered by insurance, compensation, savings, or investments.