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Short term disability insurance makes sure that an employee can get through the trying period of time it takes before he or she can get back to work. When illness strikes, when an injury is sustained or even when an employee takes leave for maternity, the drop in income can cause many to suffer. That’s why every employee concerned about his or her well being is eager to have short term disability insurance, and it can be a good idea for employers as well. This type of insurance is well designed to root out those who may want to skim off the top. It can cover up to all of the employee’s normal salary for the first couple of weeks into the injury. The percentage is then reduced incrementally in order to discourage people from raking in the benefits even after they are fit to work again. In addition, most plans require that a worker be employed at least thirty hours a week. This helps keep the premiums down at the cost of not covering those who may need the benefits the least. All in all, short term disability insurance is vital to maintaining a strong work force because it reduces turnover due to unforeseen occurrences. As part of a strong benefits package, short term disability insurance can attract a quality work force.

Table 3. State and local government, by selected characteristics
Table 3. Employer costs per hour worked for employee compensation and costs as a percent of total compensation: State and local government, by selected characteristics,(1) March 2000 All ...

http://stats.bls.gov/news.release/ecec.t03.htm

Table 1. Civilian workers, by major occupational group
Table 1. Employer costs per hour worked for employee compensation and costs as a percent of total compensation: Civilian workers, by major occupational group, March 2000 Civilian ...

http://stats.bls.gov/news.release/ecec.t01.htm