Short-term disability insurance in Connecticut can replace a portion of income should you become unable to work due to a covered medical reason.

Many workers who commute out of state automatically enjoy income replacement. However, what happens if you work in the state? Connecticut does not have a mandated program covering off-the-job losses.

Buying private short-term disability before becoming sick, hurt, or pregnant provides the answer. See if you qualify. Complete the correct application form if you do.

  • Application forms and qualifications for private coverage
  • Limited state disability benefit alternatives

Short-Term Disability CT Applications

Short-term disability insurance applications in Connecticut fall into two categories. In addition, you must complete the two types of forms in sequence in order to qualify for benefits when the need arises.

You must first buy a private policy in order to file a claim. The purchase must occur before you become sick, hurt, or pregnant.

New Policy

Request an individual short-term disability quote as the first step towards buying coverage. An agent licensed in Connecticut may contact you to present possible policy configurations and premium rates. The agent can help you complete a new policy application form.

You must show evidence of good health in order to buy a new policy. The insurance company may deny your application for coverage. These common reasons could disqualify you.

  • Currently disabled
  • Currently unemployed
  • Poor health history
  • Recent recommendation for surgery

Filing a Claim

Complete a short-term disability claim form in order to apply for benefits. Of course, this only works if you have coverage already in force through a private company. The State of Connecticut does not offer a program for workers in private industry.

Contact the insurance company to get a paper-based form or enroll in a web-based portal to complete your benefit application online. Follow instructions carefully to avoid delays. The company will send the check shortly after claim approval – if valid.

You may need to obtain three signatures on the claim form.

  1. The individual validates that they are the insured person
  2. A doctor verifying the medical reasons you are unable to work
  3. Your employer confirming that you are no longer earning an income

Qualifications

How do you qualify for short-term disability in Connecticut? First, you must purchase a private policy at work or as an individual outside of your employer. Then, you must be unable to perform the duties of your full-time occupation because of a covered accident or illness.

You will find unique eligibility reasons for maternity versus other accidents or illnesses.

Pregnancy

You must purchase a private short-term disability policy prior to conception in order to qualify for pregnancy-related benefits. All insurers consider pregnancy a pre-existing condition. The company will deny any gravidity-related claims if you purchase coverage after conception.

In addition, the purchase channel determines maternity leave payments.

  • Plans bought outside of work cover pregnancy complications only
  • Policies obtained through employers also cover normal labor and delivery
    • Vaginal birth: 6-weeks less the elimination period
    • C-Section delivery: 8-weeks minus the elimination period

Connecticut maternity leave laws provide for extra job protections. However, the regulation does not provide for paid leave. This makes buying a policy before conception extra important.

Accidents & Illnesses

Short-term disability qualifying accidents and illnesses are non-occupational and occur after the coverage effective date. Non-occupational means the injury or sickness happened while off the job.

In general, you must meet four basic requirements in order to file a claim for benefits.

  1. Have coverage in force at the time of the loss
  2. Not having a pre-existing condition that began before the coverage date
  3. The time off from work exceeds the elimination period
  4. Meeting the disability definition listed on your policy
    1. Unable to perform all the material and substantial duties of your regular occupation
    2. Not engaged in any other employment or occupation for wage or profit
    3. Under the regular and appropriate care of a doctor

Connecticut State Disability Benefits

Connecticut state disability benefits make up a mishmash of programs that help some people but not others. Finding income support from the state for temporary medical conditions caused by non-occupational issues is most difficult.

Connecticut does not have state-mandated short-term disability insurance covering off-the-job losses. However, other programs may be able to help some residents.

Out-of-State Commuters

Out-of-state commuters living in Connecticut sometimes enjoy mandated temporary disability benefits. Insurance regulations for this type of coverage pertain to the state where you work, rather than where you reside.

  • Commuters into New York participate in the NYS temporary disability and Paid Family Leave programs
  • Commuters into Rhode Island participate in the RI temporary disability and Paid Family Leave programs
  • Commuters into Massachusetts have no extra entitlements

Social Security

Social Security is a federal program administered at the state level by the Connecticut Disability Determinations office. Social Security offers two programs that provide long-term income benefits. However, these do not include coverage for temporary medical conditions.

  • Social Security Disability Insurance (SSDI) covers people who worked long enough and paid FICA taxes
  • Supplemental Security Income (SSI) helps aged, blind, and disabled people, who have little or no income

Worker’s Compensation

Worker’s Compensation in Connecticut provides both long-term and temporary disability benefits for occupational disorders. Occupational incidents occur while on-the-job.

Connecticut insurance regulations require most employers to carry Worker’s Compensation insurance and pay the premiums on behalf of its staff. Therefore, more people automatically have this valuable coverage.

  • Pays for all reasonable and necessary medical treatment
  • Rehabilitation services to overcome your limitations
  • Wage replacement for temporary and permanent disabilities
  • Death benefits to surviving spouse and dependents

Unemployment Compensation

Collecting unemployment compensation in lieu of temporary disability is not likely to succeed. Connecticut insurance regulations rule this possibility out. You must meet all eligibility requirements.

  • Earned sufficient wages during your base period
  • Lost your last job through no fault of your own
  • Physically and mentally able to work
  • Available for suitable employment
  • Registered with the American Job Center
  • Actively seek work by making reasonable efforts

Section 31-236 of the Connecticut Unemployment Compensation Code addresses good cause reasons to quit or suffer job termination. Care of a disabled family member qualifies. However, the employee’s own disability does not.

Department of Labor

The Connecticut Department of Labor provides resources for employers to assist them in hiring and employing people with temporary and permanent medical conditions that may limit their ability to work. The department helps with assistive technologies, educational programs, recruitment assistance, tax credits, and workplace accommodations.