Short term disability is designed to help cover expenses when your employees or their covered members can’t work for a period of time due to illness or injury. (Doesn’t include on-the-job injuries — they’re covered under Workers Compensation.) Typically, STD policies provide members with 60% to 70% of their base salary.

Benefits generally last between three and six months. Most short-term disability insurance policies have a “cap” on the maximum benefit amount per month.