The primary feature of the Short Term Disability claim reflects the anticipation for a precipitous drop. Do not think that the worker’s disability will be causing him or her to fall. Rather the employee that is temporarily disabled should expect a drop in the level of compensation that he or she receives.
Why does the level of compensation decrease under short term disability?
Whenever an employee first becomes disabled, that same worker normally has at least a few sick days. Consequently, each of those sick days entitles that same worker to an equivalent period, during which he or she should get paid as though working on a full-time basis. However, once that initial period has ended the level of the replacement for the salary decreases, according to the amount specified by the company’s policy.
The drop-off in the amount of the replacement for the worker’s salary stands as yet another example of the specific features linked to the short term coverage. As explained, it is a feature that differs from any provision mentioned under the long term coverage.
What other features stand out, in a comparison of the two types of coverage?
An employee that takes advantage of the short term coverage does not anticipate facing the consequences linked to the total absence of a paycheck. In other words, he or she expects to be returning to work in the not too distant future. In both cases, the disabled worker can seek monetary compensation for medical expenses. Under short term disability, such monetary payments get made through Workman’s Compensation.
What are the unique aspects of Long Term Disability coverage?
The amount of money given to the employee that has become permanently disabled always stays the same. It never falls lower, nor does it ever get increased. The recipient of long term disability coverage has produced evidence that he or she would find it impossible to return to work. The disabled worker has realized that he or she will be unable to recover completely from the serious injury or the unrepeatable medical condition. It is best to discuss such cases with the Personal Injury Lawyer in Grande Prairie to ensure that the worker gets the right information.
Note that such a provision does not rule out entirely the possibility of a recovery in the more distant future. The worker might be able to return to work in another 5 to 10 years. By the same token, the disabled worker might be able to receive training and thus plan on returning to the workplace, but then handling a different set of responsibilities.
One other different between long term and short term disability
In most cases, someone getting long term coverage does not return to work until he or she feels ready to handle the anticipated responsibilities. On the other hand, someone that has been disabled for a shorter period of time might elect to have shorter hours, when first returning to work. In other words, the employer cannot assume that the returning employee will be able to work a full day.