A short – term disability is a type of health insurance which provides an income replacement or compensation for an injury or illness which stops an individual from working for a short period of time.

Some employers offer short-term disability insurance as an employee benefit; however they are not obliged to do so; unless they are located in a state where short-term disability insurance is a requirement. This type of insurance is mandatory in the following states:

• New Jersey
• New York
• California
• Hawaii
• Rhode Island

What is classed as short - term disability?

A short term disability, could be classed as any sort of illness or  injury which renders one unable to perform their job. A short - term injury could also be classed as an injury caused by an incident, while working. The following can be a classed as a short term disability:

• Injury that is sustained in some sort of accident
• Injury from childbirth