What Conditions Qualify for Short-Term Disability Coverage?
Understanding Short-Term Disability Conditions
Short-term disability insurance provides income replacement when you’re unable to work due to an illness or injury. But not every health issue qualifies. To receive benefits, the condition must temporarily prevent you from performing your job duties.
So, what are the most common qualifying conditions?
1. Accidents and Injuries
- Broken bones
- Sprains and strains
- Back injuries
- Concussions
- Workplace accidents (if not covered by workers’ comp)
These are among the top reasons people file short-term disability claims. If your injury requires recovery time, you may be eligible for benefits.
2. Surgery Recovery
Whether it’s planned or emergency surgery, you may need weeks to recover. Common examples include:
- Knee or hip replacement
- Hernia repair
- Gallbladder removal
- C-sections or hysterectomies
If your doctor confirms you can’t return to work right away, coverage typically applies.
3. Pregnancy and Childbirth
Many short-term disability plans cover:
- Maternity leave (up to 6-8 weeks)
- Pregnancy complications (like preeclampsia or bed rest)
Always check if your policy includes pre- and post-natal recovery periods.
4. Mental Health Conditions
Mental and emotional health issues are increasingly recognized:
- Severe anxiety or depression
- PTSD
- Postpartum depression
- Burnout or stress-related disorders
Proper documentation from a licensed therapist or physician is often required.
5. Illnesses and Medical Conditions
Certain illnesses may limit your ability to work, including:
- Cancer (during treatment or recovery)
- Heart conditions
- Autoimmune diseases (like lupus or multiple sclerosis)
- Chronic migraines
If your symptoms impair your daily tasks at work, you may qualify.
When Coverage Doesn’t Apply
Short-term disability typically does not cover:
- Pre-existing conditions (unless disclosed)
- Injuries from self-harm or illegal activity
- Cosmetic procedures (unless medically necessary)
- Work-related injuries covered by workers’ comp
Talk to an Agent—Understand What Your Policy Covers
Short-term disability insurance can be a financial lifesaver—but only if you understand what qualifies and how to file. Our licensed agents can help you review your coverage, check for exclusions, and create a protection plan that works for your life and career.