Sign in Employee Benefits Short-term disability insurance Get help covering expenses if you’re ill, injured or give birth Even with careful planning and saving, many people count on a steady paycheck to cover their monthly expenses. If you become disabled or have a baby, this benefit pays a portion of your salary, to help you cover your everyday or special expenses. What it does Provides a weekly payment, equal to a portion of your salary, that you can use however you choose. Check with your benefits representative for your company’s specific plan details. How it works We will start sending regular payments for a specific period of time once your case has been approved. We’ll just need to receive notice that you are unable to perform your occupation and the supporting medical documents to help prove that. Payments will begin once you’ve been out of work for a set number of days, referred to as your elimination period. What it doesn't do Provide payments for as long as you are disabled and doesn’t provide job protection. This coverage typically provides benefit payments for the first 13 or 26 weeks only, depending on the plan. For longer term coverage consider long-term disability insurance. Protection by your side while you recover Almost half of American adults indicate they can’t pay an unexpected $400 bill without having to take out a loan.1 1https://disabilitycanhappen.org/disability-statistic Q & A What is short-term disability insurance and why is it important? How does short-term disability insurance work? When am I eligible for short-term disability insurance? Do I pay for short-term disability insurance or does my employer? What type of disability qualifies under my short-term disability policy? How long can I receive short-term disability benefit payments? If I return to work after receiving short-term disability benefits, then go out again for the same diagnosis, do I have to wait for benefits to begin again or will my benefits start right way? What is an elimination period? How much disability insurance do I need? How do I purchase disability insurance? What does it mean to be disabled? What can I use disability benefits payments for? Are there disabilities that aren't covered by the insurance? Can I keep my coverage if I leave my job or my employment is terminated? Will my disability benefit payments be taxed? Does workers' compensation or other government benefits affect my disability benefits? How much will I receive for disability benefits? When should I file a claim? What information do I need to file a claim? How do I file a claim? Once I've filed a claim, how long does it take to get a decision? What do I do when I'm ready to go back to work after a disability leave? GE-3242768 (10/20) (Exp. 10/22) Equitable's full suite of insurance products Dental Vision Life Short-Term Disability Long-Term Disability Accident Critical Illness NEW MEXICO BROKER, EMPLOYERS, AND RESIDENTS: Please be advised that this Suite of Insurance Products section of our website is not currently directed to, applicable to, or intended for any person residing in the state of New Mexico. These products only provide disability income insurance. THESE POLICIES ARE NOT MEDICARE SUPPLEMENT PLANS. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The policies have limitations and exclusions. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. Please read your certificate carefully for details regarding your benefits, reductions, limitations and exclusions. Policy form/contract AXEBP15DI; MOEBP15DI; and state variations. All group insurance products are issued either by Equitable Financial Life Insurance Company or Equitable Financial Life Insurance Company of America, which have sole responsibility for their insurance and claims-paying obligations. Some products are not available in all states. HIPAA | Legal GE-3118449 (06/2020) (Exp. 06/2022) About Equitable Equitable Foundation Careers Feedback Equitable Holdings 1290 Avenue of the Americas New York, NY 10104 Privacy and security Usage agreement © 2020 Equitable Holdings, Inc. All rights reserved. Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY), Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company with main administrative headquarters in Jersey City, NJ, and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN). FOR EMPLOYERS FOR FINANCIAL PROFESSIONALS Search Find a financial professional Support About Equitable Perspectives Careers Newsroom Equitable Foundation Feedback