Disability

Disability Insurance

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Disability Insurance

  • Background
  1. Insurance purchased by an employer or an employee
  2. Activates when an employee is under the care of a physician and is unable to perform work duties
  • Types
  1. Short Term Disability
    1. Provides weeks to months of partial salary coverage while an employee is unable to perform work duties
    2. Activates after a specified waiting period
  2. Long Term Disability
    1. May extend partial salary coverage after short-term Disability expires
  • References
  1. Evensen (2023) Am Fam Physician 107(5): 490-8 [PubMed]