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Short Term Disability

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  • Mar 20th, 2009 2:20 am
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[OP]
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Nov 6, 2007
365 posts
11 upvotes
Durham

Short Term Disability

Has anyone ever done this?

How does it work? Do you still get paid by your employer, insurance company, or it is like EI? Do you get paid your full amount, or just a portion?

I've been very ill over the last month, and this morning my doctor ordered me on 3 weeks of rest, absolutely no working - my HR and they told me anything over 4 days has to get processed as STD.

Thanks for any input.
12 replies
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Mar 27, 2004
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how is anyone suppose to know here? no one here knows how your insurance coverage is at work, you are better off asking someone in hr/payroll/benefits person at ur workplace.
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Jul 28, 2005
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First of all, everything is going to depend on the terms of your STD policy, but I'm describing is what happened to me, and what I believe is somewhat standard. You'll need to talk to your HR department to get the exact details of yours.

I got paid by the insurance company. It wasn't overly difficult, just needed to get a couple of doctors to sign off on it. (Of course, I was hospitalized and was quite clearly not going to be working for a while). When I later needed to apply for long term disability, there was quite a bit more paperwork and follow up by the insurance company before I was approved.

The amount you get paid is going to depend on the policy. For me, I got full pay for the first 5 weeks of STD. For the remainder I got 75% of pay. My STD lasted for a total of 4 months. After the 4 months was up, I switched over to long term disability, where I once again received close to my full pay. Although, it sounds like right now your doctors aren't talking about long term disability, so that's a good thing.

Good luck in getting better.
[OP]
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Nov 6, 2007
365 posts
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Durham
asdfvcx wrote:
Mar 18th, 2009 3:34 pm
The amount you get paid is going to depend on the policy. For me, I got full pay for the first 5 weeks of STD. For the remainder I got 75% of pay. My STD lasted for a total of 4 months. After the 4 months was up, I switched over to long term disability, where I once again received close to my full pay. Although, it sounds like right now your doctors aren't talking about long term disability, so that's a good thing.

Good luck in getting better.
Thank you, I too have been in and out of the ER and hospital, and numerous specialist appointments. I've never had to do anything like this, not even EI, so my knowledge is very limited.

Above everything else, I just want to get better.
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Jun 11, 2001
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with my company it depends on tenure. starts off at 100% for x weeks, then 75% for y weeks, then 50% for z weeks. All depending upon how long you were with the company. I think i'm entitled to 12wks at 100% -sg
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Mar 14, 2009
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First off, to the OP, best wishes in a speedy recovery.

I concur with the other posters - this does depend on your employer and their policies.

In my previous "life" I too was on STD. The paperwork was a multi-page form that one of my doctors had to sign off on, and otherwise, the company took care of the rest. The pay was 100% for the first 2 weeks, then 88% for my remainder (which was an additional week IIRC). My salary during my STD was paid by the insurance company.
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Jun 22, 2004
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Generally speaking, most insurance policies require you to serve a waiting period. If you have any company paid sick time banked, you typically have to use up that first. During the waiting period, you will likely have to apply for EI benefits if you don't have any sick leave to tie you over.

Most people have to go through hoops to get their disability approved. Most Disability plans will rarely pay you your full wages, any where from 50-80% is not uncommon. The employer typically does NOT pay the difference.

While on disability, you will be scrutinized by the insurance company's physicians and specialists. They may have their own (in-house) physicians or they may contract out. In most cases, the practitioner is biased and is looking for ways to get you back to work asap. I was also told that it's cheaper for insurance companies to pay a death claim then to have their policy holder permanently collect disability.

If you can help it, you don't want to have to deal with the insurance companies, it's rather stressful. This is from someone who's been there. Good luck and get and be well.
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Pavel wrote:
Mar 18th, 2009 11:06 pm
Generally speaking, most insurance policies require you to serve a waiting period. If you have any company paid sick time banked, you typically have to use up that first. During the waiting period, you will likely have to apply for EI benefits if you don't have any sick leave to tie you over.

Most people have to go through hoops to get their disability approved. Most Disability plans will rarely pay you your full wages, any where from 50-80% is not uncommon. The employer typically does NOT pay the difference.

While on disability, you will be scrutinized by the insurance company's physicians and specialists. They may have their own (in-house) physicians or they may contract out. In most cases, the practitioner is biased and is looking for ways to get you back to work asap. I was also told that it's cheaper for insurance companies to pay a death claim then to have their policy holder permanently collect disability.

If you can help it, you don't want to have to deal with the insurance companies, it's rather stressful. This is from someone who's been there. Good luck and get and be well.
I don
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Jan 31, 2006
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two*little*birds wrote:
Mar 18th, 2009 2:56 pm
Has anyone ever done this?

How does it work? Do you still get paid by your employer, insurance company, or it is like EI? Do you get paid your full amount, or just a portion?

I've been very ill over the last month, and this morning my doctor ordered me on 3 weeks of rest, absolutely no working - my HR and they told me anything over 4 days has to get processed as STD.

Thanks for any input.
EI have a sick leave benefit form, download it and have your family physician fill it then submit to EI, short term disability is also know as sick benefit under EI. Your family physician need to fill the duration of your disability.
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cgtlky wrote:
Mar 19th, 2009 11:31 am
EI have a sick leave benefit form, download it and have your family physician fill it then submit to EI, short term disability is also know as sick benefit under EI. Your family physician need to fill the duration of your disability.
However, it's my understanding, that in most cases if you are collecting STD from your company's group plan, and the STD benefits are taxable (which they almost always are for STD) then you either aren't going to qualify for EI sick benefit, or your STD benefits are going to reduce your EI benefits to zero.

At least that's how it was explained to me by my HR department and by the hospital social worker that was helping me get everything straightened out.
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asdfvcx wrote:
Mar 19th, 2009 12:09 pm
However, it's my understanding, that in most cases if you are collecting STD from your company's group plan, and the STD benefits are taxable (which they almost always are for STD) then you either aren't going to qualify for EI sick benefit, or your STD benefits are going to reduce your EI benefits to zero.

At least that's how it was explained to me by my HR department and by the hospital social worker that was helping me get everything straightened out.
I agree with you. You can just choose one not both, in case your company group plan does not support STD benefit then EI sick benefit is your last option.
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Mar 14, 2009
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asdfvcx wrote:
Mar 19th, 2009 12:09 pm
However, it's my understanding, that in most cases if you are collecting STD from your company's group plan, and the STD benefits are taxable (which they almost always are for STD) then you either aren't going to qualify for EI sick benefit, or your STD benefits are going to reduce your EI benefits to zero.

At least that's how it was explained to me by my HR department and by the hospital social worker that was helping me get everything straightened out.
My understanding is that generally that's true... LTD is often different as the premiums for those are *normally* paid out of post-tax income... (Believe it or not, conceptually, this fine country of ours doesn't double tax us...)
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Jun 22, 2004
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I consider STD anything less than 5 years but insurance companies will likely disagree. As with EI, they don't tax you enough when on LTD. You then get a nice suprise when you file your taxes.
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