Short term disability insurance typically covers which types of injuries?

Short-term disability insurance is designed to provide financial support for individuals who are temporarily unable to work due to a medical condition, which often includes non-occupational injuries. These can encompass a variety of situations, such as illnesses or injuries that occur outside of work, like a broken leg from a skiing accident or a severe case of the flu.

The purpose of this coverage is to help employees maintain a portion of their income during their recovery period, regardless of whether the cause of their disability stems from work-related activities or not. Therefore, the focus on non-occupational injuries aligns with the standard intent behind short-term disability policies, which primarily cover personal situations leading to temporary disability.

Occupational injuries and accidental injuries, while also important, often fall under different types of insurance or workers' compensation, which address specific circumstances related to work-related incidents or accidents. The aim of short-term disability is to provide a broader financial safety net for various personal health matters, hence its primary association with non-occupational injuries.