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. It does not.
- Application forms and benefit calculations
- Covering pregnancy and maternity leave
- Connecticut laws regarding disability
Short-Term Disability Forms in Connecticut
There are two types of short-term disability insurance forms to complete if you work in Connecticut. You must complete either a claims form, or a policy application form, or both. If you made the mistake of assuming the state provides a public program, borrowed funding may be your only option.
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Application Form for Benefits
Connecticut does not have a state-mandated program covering temporary medical conditions. You must purchase a private policy prior to becoming sick, hurt, or pregnant to qualify for benefits.
Complete a benefits application form to file your claim if you did purchase a private policy before your need arose. The claimant’s doctor must certify the medical reason for the claim. The claimant’s employer also needs to sign the form to certify the loss of income.
Policy Application Form
You must complete a policy application form to begin coverage. It will not cover preexisting conditions until twelve months after the effective date. You must be healthy enough to qualify. An agent may ask medical questions.
Request an online disability insurance quote if you do not have a preexisting health condition and your employer does not offer a voluntary program. It is best to purchase through your employer if you can. Women planning a pregnancy should follow the link in the maternity leave section for more information about the unique requirements.
Connecticut Short-Term Disability Maternity Leave
Short-term disability insurance most frequently comes into play with Connecticut growing families. Childbirth is a happy occasion, but one that comes with added expenses: a bigger house, a 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. Several requirements exclude many parents.
- Coverage must begin prior to conception
- Pregnancy is a pre-existing medical condition
- Expectant women have limited options for monetary assistance
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 may replace mom’s income if she leaves work prior to delivery. Her doctor must specify the medical reason causing the need for bed rest. You must purchase the policy prior to conception. Pregnancy is a pre-existing condition.
Recovery from Normal Childbirth
Short-term disability may replace a portion of income while mom recovers from normal childbirth. Policies sold through employer groups as a voluntary benefit provide a standard payment for normal childbirth:
- 6 weeks for a vaginal delivery
- 8 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 during which payments are made.
If you choose to purchase privately without involving your employer, you will not be able to enjoy this valuable feature.
Connecticut Short-Term Disability Laws
There is one Connecticut state law regarding disability insurance. It states that group programs may not contain an offset provision. An offset provision typically comes into play when an owner is collecting benefits through a private policy and Social Security Disability at the same time.
Connecticut does not offer state temporary 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 plans pertain to workers, not residents.
Most residents waiting for disability approval have few options for interim assistance.
The State administers the federal Social Security Disability program. You must expect your medical condition to last one year or longer and prevent you from working in any occupation – not just your own occupation. Social Security does not cover temporary medical conditions.
IRS regulations stipulate whether your claims payments are subject to federal taxation. If your employer pays a portion of the premium, you pay proportional taxes on the claims payments. If you fund the premiums yourself using pretax payroll deductions, the subsequent claims payments are subject to federal taxation.
Pay the premiums using after-tax contributions to keep the entire claim payment.
Family Leave Laws
Connecticut Family Leave Laws provide for unpaid job-protected leave from work for an employee to care for a sick family member. The regulation provides expanded rights beyond the federal FMLA. Income replacement via sick leave and unemployment compensation may provide very modest financial assistance for a small subset of workers.
The Connecticut Infertility Insurance Mandate often plays a significant role in many growing families. Couples undergoing any infertility treatment should purchase a short-term disability policy prior to their next cycle of treatment. Buying prior to conception is an extremely important requirement easily met by future parents in this cohort.
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.
- Department of Labor
- Group disability policies – Connecticut statute (Sec. 38a-519)
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