| Short Term Disability Insurance Short-term disability insurance is usually purchased through the employer or is provided by the employer. This type of policy would cover the employee should he or she not be able to work generally for a couple of months due to an illness or injury. This policy does not work in conjunction with Worker’s Compensation, it is a totally separate policy and will not cover injuries that fall under an on-the-job injury or illness. Short-term disability usually covers any where between 40 and 65 percent of the employee’s regular base wages. By law, a short-term disability policy is required to provide benefits only up to two years |