Protect Your Paycheck When Life Puts You on Pause

Keeps your income steady during short-term illness, injury, or recovery with IDR Short-Term Disability coverage.

Key Details
Typically pays 50–70% of weekly income during a temporary disability.
Common benefit duration: 6–26 weeks (plan-specific).

What to Know About IDR Short-Term Disability Insurance
Elimination period: Usually 0, 7, or 14 days depending on accident or illness.
Benefit duration: Often 6–26 weeks; check your plan’s maximums.
Benefit amount: Typically 50–70% of weekly earnings, subject to caps.
Taxes: Employer-paid premiums → taxable benefits; employee-paid (post-tax) → generally tax-free.
Offsets/coordination: Integrates with PTO, sick pay, and any applicable state disability benefits.
Pre-existing conditions: Policies may include waiting or look-back periods.

State Program Coordination
Some states offer statutory disability programs (e.g., CA SDI, NJ TDI, NY DBL, RI TDI, HI TDI).
IDR STD can complement these programs to avoid gaps or overlaps in coverage.

Fast Next Steps
Select elimination period and weekly maximum that match your team’s pay cycles.
Decide whether coverage is employer-paid, voluntary (employee-paid), or shared.
Align STD with PTO, FMLA, and any state disability benefits.
Communicate clear, step-by-step claim instructions to employees in advance.

Minimizes employee turnover and helps staff return to work quickly after short-term absences.

Key Details
Competitive benefit that supports hiring and retention—especially for hourly and frontline employees.
Coordinated leave policies help reduce administrative hassles and maintain team morale.

What to Know About Short-Term Disability (STD)

Elimination period: Typically 0, 7, or 14 days depending on accident or illness.
Benefit duration: Usually 6–26 weeks; confirm plan maximums.
Benefit amount: Generally 50–70% of weekly earnings, subject to caps.
Taxes: Employer-paid premiums → benefits are taxable; employee-paid (post-tax) → generally tax-free.
Offsets/coordination: Integrates with PTO, sick pay, and state disability programs.
Pre-existing conditions: Check for waiting or look-back periods.

State Program Coordination
STD can supplement statutory state disability programs (e.g., CA SDI, NJ TDI, NY DBL, RI TDI, HI TDI).
Ensure start dates align to avoid gaps or overlapping benefits.

Fast Next Steps
Choose an elimination period and weekly maximum that fits your payroll cycles.
Decide employer-paid vs. voluntary (employee-paid) or shared contribution.
Plan how STD coordinates with PTO, FMLA, and any state benefits.
Provide clear, step-by-step claim instructions to employees before they need them.

Supports income during maternity leave or post-surgery recovery, so you don’t have to worry about lost pay.

Key Details
Covers doctor-certified leave for childbirth, post-surgery recovery, and related complications.
Designed to complement PTO and state disability programs where available, ensuring income continuity.

What to Know About Short-Term Disability
Elimination period: Typically 0, 7, or 14 days depending on accident or illness.
Benefit duration: Usually 6–26 weeks; check plan maximums.
Benefit amount: Generally 50–70% of weekly earnings, subject to plan caps.
Taxes: Employer-paid premiums → taxable benefits; employee-paid (post-tax) → generally tax-free.
Offsets/coordination: Integrates with PTO/sick pay and any state disability benefits.
Pre-existing conditions: Look for any waiting or look-back periods in the policy.

State Program Coordination
Some states have statutory disability programs (e.g., CA SDI, NJ TDI, NY DBL, RI TDI, HI TDI). STD can supplement or wrap around these benefits. Align start dates to avoid gaps or overlaps.

Fast Next Steps
Choose an elimination period and weekly maximum that fit your team’s pay cycles.
Decide whether coverage is employer-paid, voluntary (employee-paid), or shared.
Map how STD coordinates with PTO, FMLA, and state disability benefits.
Communicate clear, step-by-step claim instructions before employees need them.

Affordable protection designed to keep your team secure without straining your budget.

Key Details

Flexible coverage options: employer-paid, voluntary (employee-paid), or shared contributions.

Can seamlessly integrate with FMLA, PTO, and attendance policies for smoother administration.

What to Know About Short-Term Disability (STD)
Elimination period: Typically 0, 7, or 14 days depending on accident or illness.
Benefit duration: Usually 6–26 weeks; check specific plan limits.
Benefit amount: Generally 50–70% of weekly earnings, subject to plan caps.
Taxes: Employer-paid premiums → benefits may be taxable; employee-paid (post-tax) → usually tax-free.
Offsets/Coordination: Works alongside PTO, sick pay, and applicable state disability programs.
Pre-existing conditions: Some plans include waiting or look-back periods; verify in policy.

State Program Coordination
Covers statutory disability in applicable states (e.g., CA SDI, NJ TDI, NY DBL, RI TDI, HI TDI).
Align benefit start dates to avoid gaps or overlaps with state programs.

Fast Next Steps

Choose an elimination period and weekly maximum that fits your payroll schedule.
Decide on employer-paid vs voluntary contributions or a shared model.
Map how STD coordinates with PTO, FMLA, and state benefits.
Communicate clear, step-by-step claim instructions to employees before they are needed.
This version is tailored for IDR insurance, keeping language clear, professional, and aligned with employee-focused messaging.

Provides partial income replacement during brief periods away from work.
IDR Short-Term Disability Insurance keeps your paycheck steady while you focus on recovery.

Coverage level: Typically replaces 40–70% of your weekly income.
Fast benefits: IDR Short-Term Disability payments usually start within 1–2 weeks of your disability.
Everyday support: Helps you manage rent, bills, and daily expenses while you recover.

Coverage Duration: Provides protection for a defined period—usually from a few weeks up to several months, depending on the plan.
Scope: Designed to help during temporary illnesses, injuries, surgeries, or recovery from childbirth.

Time Frame: Typically provides coverage for up to 26 weeks.
Bridge Benefit: Supports your income until long-term disability coverage begins.
Flexible Design: Allows customization of benefit duration and waiting (elimination) period.

Common Uses: Covers income loss during maternity leave or post-surgery recovery.
Financial Support: Ensures you can manage essential expenses during personal health events.

Maternity Coverage: Supports income during pregnancy and postpartum leave.
Medical Leave: Provides financial help while recovering from surgery or injury.
Peace of Mind: Lets you focus on healing without worrying about bills.

Quick Enrollment: Plans usually feature simplified underwriting for faster approval.
Accessible Coverage: Short-term disability ensures you get protection when you need it most.

Simple Enrollment: Often requires minimal medical questions.
Workplace Options: Frequently included as part of employer-sponsored benefits.
Fast Protection: Get coverage quickly and enjoy peace of mind.