How to Apply for Short Term Disability

Short term disability protects against an illness or disability for a short period of time. With short term disability, you'll get a percentage of your salary paid by the insurance company or the state you live in. You can collect short term disability typically between 12 to 26 weeks. You must go through an application process in order to receive short term disability.

Difficulty: Moderately Easy

Instructions

1. Find out the type of short term disability coverage you have and determine if you qualify for the coverage. Some employers require you work for the company for a year prior to submitting a claim.

2. Speak to the human resources representative at your place of employment. She'll notify you of the policy inclusions and give you the forms you need to fill out in order to receive the benefits.

3. Fill out your portion. After filling out your required portion on the short term disability form, you'll need to take the form to your doctor's office. He'll release your medical information and give a recommendation on how long you should stay out of work.

4. Return the forms to the HR department. They'll fill out information regarding your salary and send the forms to the state or insurance company. The coverage provider will review your application and notify you of the status of your claim.

Tips & Warnings

• You'll need clearance from your doctor's office before returning to work after a short term disability.
• If you're an employer or independent contractor, you'll have to download the forms from your state's website in order to apply for short term disability coverage.

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