If you are injured somehow or become sick and are unable to work for a few months it is important that you still have some form of income coming in while you are off the job. This is when a Short Term Disability program would come into play.
Short Term Disability pays a percentage of your salary for a specific amount of time while you are unable to work due to
sickness or injury. Some employees will require that you use sick days before the Short Term Disability coverage begins. Most STD benefits pay between 50% to 75% of the employee’s salary and most only pay for between 13 to 26 weeks.
Only five states require that employers provide STD for their employees California, New York, New Jersey, Rhode Island, and Hawaii. Some states require that the state provide STD for all employees. Each state has different regulations for Short Term Disability so it would be to your advantage to do some research and discover what your state mandates for STD.