Does short term disability insurance cover health coverage?
Many people think that disability insurance covers health coverage. This is not true, as it only provides income replacement, although as this money is paid to you directly, you may use it for health expenses. However, in employer-sponsored coverage, your employer may use your eligibility for short term group disability to determine continued eligibility for other benefits such as health and life coverage. Basically what this means is that if you suffer from a short term disability that would severely affect your future health, they may choose to raise your health benefit premiums. It’s important to know that if you have individual short term disability coverage that you are responsible for all of the costs… not your employer. Your employer is not required to offer short term group disability because it protects you from off the clock injuries and illnesses. However, since your coverage is offered by your employer, your premium payments will be deducted from your paycheck on a pretax
