What Is Supplemental Short Term Disability Insurance? 
In addition to the definition provided by Mr. McKelvy supplemental short term disability can be used as a secondary policy for other disability plans . Supplemental is defined as : `` added to furnish what is lacking or missing '' . For example , people working in states with mandated coverage may want to increase the level of monthly benefit , or extend the length of payment duration . Or if employers offer a long term disability policy it may come with a lengthy elimination period . Many workers may go bankrupt before benefit payments begin on a policy with a 180 day waiting period . 