Where Did the Rain Go? Click link above to see weather patterns of a typical summer moving into the weather pattern of the 1930s dust bowl drought. See side bar for more information. (Credit: NASA) Click HERE to view animation. Click on image to enlarge.
Typically, a short-term disability policy provides you with 40 to 70 percent of your pre-disability base salary. Some people have short-term disability insurance through an employer, union, or other professional organization. This type of policy is known as group coverage.
A short term disability policy can be an employer or employee paid benefit. Generally, though, short term disability coverage is employer-paid. Companies do have a choice of having employees pay for coverage, with certain tax implications. Group coverage for short term disability can be attained in the following ways: Contract agreement through an insurer that covers disability.