Short Term Disability
Protect Your Income and Peace of Mind
Many federal employees assume that their sick leave and annual leave will be enough if they face an illness or injury, but the reality is that a short-term disability could leave you without income for months. Short-Term Disability Insurance (STD) helps protect your paycheck when you’re unable to work due to a medical condition, allowing you to focus on recovery instead of worrying about your finances.
Why Short-Term Disability is Essential for Federal Employees
- 1 in 4 workers will experience a disability lasting 3+ months before retirement. (Social Security Administration, 2024)
- 69% of Americans have less than $1,000 in savings to cover an emergency. (Bankrate, 2023)
- 60% of disabilities are caused by illness (not accidents), including back injuries, heart disease, and cancer. (CDA, 2023)
Federal employees often DO NOT have employer-sponsored Short-Term Disability Insurance, leaving a major gap in their financial protection.
How Short-Term Disability Insurance Works
- Replaces Your Income – If you're unable to work due to a covered illness or injury, STD provides a monthly payments (usually 50-60% of your salary).
- Covers a Variety of Conditions – From surgeries and complications during pregnancy to unexpected medical conditions like strokes or heart attacks, STD helps keep you financially stable.
- Flexible Coverage Periods – Policies can provide benefits for 1 to 12 months, helping bridge the gap until you can return to work.
- Works with Your Sick Leave – Once your sick leave runs out, STD helps extend your income protection while you recover.
Frequently Asked Questions (FAQs)
Do federal employees get Short-Term Disability through work?
No, the federal government does not provide Short-Term Disability Insurance as an employee benefit. Federal employees need to purchase their own policy to protect their income.
How long do benefits last?
Most policies offer coverage from 1 month to 12 months, depending on the plan you choose.
Does Short-Term Disability cover pregnancy?
Yes! Many plans cover pregnancy complications and maternity leave if you’re unable to work before or after childbirth.
How soon do benefits start?
Most policies have a waiting period of 14 days, meaning benefits begin after you’ve been unable to work for two weeks due to your condition.
What if I already have a lot of sick leave saved up?
That’s great! But sick leave can run out quickly, and if your recovery takes months, STD provides a safety net once your leave is exhausted.
Take Control of Your Financial Security
A short-term illness or injury can happen to anyone, and without the right protection, it could mean months without a paycheck. Short-Term Disability Insurance helps federal employees stay financially secure while recovering.
Ready to protect your paycheck?
Contact us today to find the right plan for you!