Disability Benefits

Disability Benefits policies explain how eligible employees can access state-run short-term disability or temporary disability programs that replace part of their wages during a non-work-related injury, illness, pregnancy, or childbirth (and, in some states, caregiving or bonding), including how the program is funded, how to file a claim, and how benefits coordinate with any leave of absence.

How to Write a Disability Benefits Policy

• Start with "why" and introduce the concept.
• Define what the benefit covers, such as non-work-related injury or illness and pregnancy-related conditions.
• Address whether the program includes caregiver or bonding benefits in addition to disability benefits.
• Summarize who funds the benefit and how contributions appear on pay statements.
• Explain who administers the program and where claims are filed (state agency or your insurance provider).
• Describe, at a high level, how eligibility is determined and what documentation is typically required.
• Summarize how benefit amounts are calculated and that maximums may apply.
• Clarify that wage replacement benefits are separate from leave of absence rights and that employees should also request leave under the appropriate policy.
• Explain how job protection may apply depending on the jurisdiction and how benefits may run alongside other leave laws.
• Close with where employees can find more information and how your HR team can help.

For advice on writing a Disability Benefits policy in a specific jurisdiction, see below.