How Does Short Term Disability Insurance Work? 
Short term disability insurance pays a percentage of your salary for a specified amount of time if you are ill or injured and can not perform the duties of your occupation . Please note , you may be required to use up your sick days -LRB- if applicable -RRB- before your short term disability coverage will start making payments . If you have short term coverage , you may want to consider supplementing it with long termdisabilityinsurance as many people who need to use their short term disability coverage will often be unable to work for longer than the short term plan allows . I hope the information is helpful - please feel free to contact me for help with your disability insurance program and if you have any other questions . Thanks very much . 