Ways to Get Short-Term Disability Benefits

Only a few states provide temporary disability benefits.

Your eligibility and the availability of short-term (temporary) disability will depend on where you live. Only a few states offer a short-term disability program. Social Security does not provide for short-term disability, through either  its SSI or SSDI programs.

Other programs that offer short-term or  temporary  disability benefits  are workers' compensation, if the injury is work-related, and private disability insurance paid for by employers (or sometimes for purchase by  individuals).  

States With Short-Term Disability Programs

California, Hawaii, New Jersey, New York, and Rhode Island are the only states that have state short-term disability programs. A few  states offer temporary disability assistance to low-income people in other ways. For instance, Maryland's  Temporary Disability Assistance Program  offers cash and medical and housing assistance. D.C. has a paid family leave program.

This article is about the state  temporary  disability programs (abbreviated  as TDI, for  temporary  disability insurance, or SDI, for state disability insurance)  funded by payroll deductions.

Eligibility Requirements

State temporary disability is usually easier to get than Social Security disability. In the states that provide for short-term disability, here are some general requirements that apply to all of the states.

  • The worker must have worked a certain length of time before being eligible for benefits, 30 days to six months, depending on the state.

  • Some states have a minimum earnings requirement.
  • There is a one-week waiting period before benefits are payable. (You can't receive benefits until  the  8th day you are  temporarily  disabled).
  • The illness or injury must be non-work related.
  • Benefits last no more than 26-30 weeks (52 weeks in California).
  • The weekly benefit is approximately 60% of your wages.
  • Pregnant women can receive short-term disability for several weeks for delivery and recovery.
  • You will need to submit medical records or go to a medical exam to prove your disability.

For information on your state's specific elgibility rules, see our article on eligibility for state temporary disaiblity benefits.

Filing a TDI/SDI Claim

To file a claim, call or go to the website of your state's department of labor or employment development department to get the application form. Your company's human resources department may also be able to provide you with one. Complete your section of the form and give the form to your employer and/or doctor to complete the remainder.

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