Connecticut short-term disability benefits are an invaluable resource for many growing families. Many workers who commute out of state automatically enjoy income replacement. However, what about those who work in the state?
Short-term disability insurance in CT provides the solution. A policy helps support income during the time an employee is unable to work because of a covered accident or sickness. Do not make the mistake of assuming that the state offers a program.
- How does short-term disability work:
- Benefit calculations
- Pregnancy and maternity leave
- CT laws regarding disability
What Forms to Complete
There are two types of CT short-term disability forms to complete. You must complete either a claims form, or a policy application form, or both.
When applying for benefits the policyholder needs to complete the appropriate claims form. In most cases, the form needs to be filled signed by the claimant’s doctor to certify the medical reason behind the disability. The claimant’s employer also needs to sign the form to certify the loss of income. Fax the completed form to the insurance carrier’s claims department.
Applying for a Policy
Get a short-term disability quote before completing your application form. You may want to know the policy cost before taking this step. The policy application needs to be completed with an insurance agent in order to get your policy in place. The policy must be in effect prior to the start of any disabling event. There is normally a twelve-month waiting period for any preexisting conditions.
CT Short-term Disability Benefits
CT does not offer state benefits. Personal short-term disability policies in Connecticut are designed to replace a portion of income during the time an employee is unable to work. The most common definition for a qualifying disability is that the employee is unable to perform the primary duties or his or her full-time occupation. This raises several questions about how short-term disability works in CT: what is a portion of income, and what medical conditions are covered?
Every policy is different, and each company uses different rules and guidelines. But there are three common features that determine the benefit calculations: monthly amount, elimination period, and duration.
The monthly amount is calculated based upon the policyholder’s monthly income. Most policies replace sixty to seventy percent of monthly income, up to a hard dollar cap. The hard dollar cap ranges from $5,000 per month, the $6,500 per month.
The elimination period describes the number of days the policyholder is continuously disabled before benefit payments begin. The payment duration means the length of time the monthly payment is made if continuously disabled.
How Short-term Disability Works for Childbirth
Connecticut short-term disability benefits most frequently come into play with growing families. Childbirth is a happy occasion, but one that comes with added expenses: bigger house, larger car, baby furniture, diapers, etc. The list of extra expenses is endless.
Two common scenarios often arise where this program makes an impact: during pregnancy complications, and when recovering from childbirth.
Pregnancy Bed Rest
Twenty five percent of women experience medical complications during pregnancy. Bed rest is a common prescription for this problem. Most employers do not provide paid leave.
Short-term disability for pregnancy in CT may replace mom’s income if she leaves work prior to delivery. Her doctor must specify the medical reason the bed rest was needed. The policy must be purchased prior to conception. Pregnancy is considered a preexisting condition on all private policies sold in Connecticut.
CT short-term disability for maternity leave will replace income while mom recovers. All policies provide a standard benefit payment for normal childbirth: six weeks for a vaginal delivery, and eight weeks for a C-section birth.
One hundred percent of normal deliveries require mom to leave work to recover from childbirth. Postpartum disorders may delay mom’s return to work, and may extend the amount of time payments are made.
Connecticut Disability Laws
Connecticut does not offer state short-term disability insurance. There are only five states with such coverage and two are neighboring states. If you commute to work in New York or Rhode Island, you may have coverage. These state disability plans pertains to workers not residents.
There is one Connecticut state law regarding disability insurance. It states that group disability policies may not contain an offset provision. An offset provision typically comes into play when a policyholder is collecting disability benefits through a private policy and Social Security Disability at the same time.
State law requires certain health insurance plans to cover infertility treatments. Couples undergoing any infertility treatment should purchase a short-term disability policy prior to their next cycle of treatment.
Connecticut laws regarding maternity leave provide job protection rights. However, income replacement during job leave is not required. Do not assume that a state program will take care of you while unable to work.
CT Disability Insurance for Employees
Short-term disability insurance in CT is sold only as a workplace employee benefit when coverage for normal childbirth is required. We manage a network of agent who can easily travel to your office location.
Some of the cities where agents are located include: Bridgeport, Bristol, Danbury, Enfield, Fairfield, Greenwich, Hamden, Hartford, Manchester, Meriden, Middletown, Milford, Milford, New Britain, New Haven, Norwalk, Southington, Stamford, Stratford, Wallingford, Waterbury, and West Haven