Short term disability insurance pays a percentage of your salary if you become temporarily disabled, which means that you are not able to work for a short period of time due to sickness or injury not related to your job. Typically, a short term disability policy provides you with 40 to 70 percent of your pre-disability base salary. Some people have short term disability insurance through an employer, union or other professional organization. This type of policy is known as group coverage. You can also purchase an individual policy directly from an insurance company or agent.
Check with your Human Resources Department to see if your employer, or union, offers Short Term Disability. If you are not covered by your employer or other professional organization, and you do not qualify for Workers' Compensation, you will need to purchase your own policy from an insurance company.
The Commonwealth of Massachusetts does not offer any public support for Short Term Disability. In addition, Social Security does not provide for Short Term Disability through either its SSI or SSDI programs.